vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
One year after purchasing my home Pennymac called me and said they could lower my interest and get my payment down. I told the man multiple times that I'd be interested but ONLY if I would not lose my escrow balance. My county tax was expected to drastically increase due to it being a new home and the first year was just the land. I was told not to worry and that the ( over ) {$3000.00} I had in escrow would still be in escrow on the new loan. Come to find out that they lied and because they rushed me to sign everything and I trusted their LICENSED mortgage guy, I am now forced to come up with $ XXXX. I have a XXXX daughter and I just got a " promotion '' at work so I am now a salaried employee and lost about XXXX in overtime annually. I do not have XXXX XXXX dollars and they refuse to help me! 

Based on the original loan 's balance and the refinanced amount, I would not have reasonably known that they were taking my XXXX  in escrow as they now claim. They stole that from me and I have included their statements and what they advised regarding the closing costs as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: FL

Complaint narrative:
I have several fraudulent inquiries and inaccuracies on my credit report : XXXX XXXX XXXXES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX INNACCURACIES : - Accounts Ever Late : 2 - Time Since Negative : 1 year 3 month XXXX FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX - XXXX - DEPARTMENT OF EDU -  XXXX - XXXX - XXXX Transunion Fraudulent Accounts : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - DEPARTMENT OF EDU - XXXX - XXXX  - XXXX Transunion FRAUD INQUIRIES XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   - XX/XX/XXXX XXXX Fraudulent Accounts : - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX/ XXXX XXXX - XXXX - DEPARTMENT OF EDU - XXXX - DEPARTMENT OF EDU/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 2019-03-08 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: FL

Complaint narrative:
I have several fraudulent inquiries and inaccuracies on my credit report : XXXX  FRAUD INQUIRIES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  INNACCURACIES : - Accounts Ever Late : 2 -  Time Since Negative : 1 year 3 month XXXX FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX  - XXXX XXXX   Fraudulent Accounts : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX - XXXX XXXX FRAUD INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  - XX/XX/XXXX Equifax Fraudulent Accounts : - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I've been struggling with getting any information from XXXX on my loans now for the last 3 1/2 years. I've already filed a complaint with the DOE and they refused to assist. They have added XXXX to my loan balance in the last 3 years. The first was XXXX for XXXX when I submitted my annual certification 3 times, which I have proof, before they finally acknowledged receipt. Then again on XXXX, XXXX was added when I switched the IBR plan I was on at their suggestion. And XXXX, XXXX was added for no apparent reason. My interest rate is only 4.125 %. There is no way any of these numbers are correct. I have never seen an annual capitalized interest statement for my accounts in excess of XXXX to XXXX. At the rate they are adding erroneous amounts, I will never get to a point where I pay any principal. 

My loans are in repayment, no capitalized interest should be added to my balances. I asked repeatedly for an amortization schedule for my loans before I finally got an answer. 
I was told they are unable to provide any accurate amortization via email. I am at my wits end. I have made countless calls and emails and have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have a settlement with Navient that I am repaying. I started this repayment in XX/XX/2018. Navient has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Good Morning I have XXXX preferred master card Last XX/XX/XXXX They sent me promotional offer of No interest Till XX/XX/XXXX and Then 10.9 % interest So my interest supposed to be charge if i do not pay off before XXXX XXXX XXXX But instead They started charging interest from the day i used the promotion I have spoke to Two different Representative one on XXXX to XXXX  and again XXXX to XXXX On XXXX when i came to know they charging interest I paid off whole balance in one payment immediately Even after paying off whole balance Following month they charging interest and i have Auto pay setup it's already paid Both time they said we will look into it and get back to you in Two Business Days I do not think they have any Interest to resolve This Last time i spoke on XXXX XXXX I have told them if we can not resolve i will have to file Complaint They just ignored i have not heard till XX/XX/XXXX XX/XX/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 monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I opened an account online and made an initial deposit of {$100.00}. I got confirmation emails and an email that my card was on it's way so I set up my paycheck to go in there as of this morning. However on XXXX when I attempted to log in online and failed I called Cust. Service and was transferred to fraud who explained they just needed to verify my identity in the branch with two forms of ID. I went into the branch and they told me my acct. was closed but I could open a new one. I told them I needed the first one opened because that was where my direct deposit had gone. They called their retail helpline and were told all I could do was open a new account. the retail help agent was rude and inappropriate, telling me I was lying about the {$100.00} deposit ( it posted to my other checking account on XX/XX/XXXX). I started crying at that point so I took my ID and went to the parking lot to try with customer service again. I spent over an hour on the phone explaining I needed that money for groceries and to pay my mortgage and no one could do anything but offer me a new account. No one can tell me why it was closed AFTER I called and was told I was fine ( one agent informed this was the timeframe ) I'm not sure why you guys thought I'd stay with you. with God as my witness I will never do business with your crooked company again and I will do everything in my power to make sure everyone I know doesn't either, everytime in the next two weeks I have to tell my family I can't afford something I'm going to tag you on XXXX and XXXX with the story of how you treated me.

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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a settlement with XXXX that I am repaying. I started this repayment in XXXX of 2018. XXXX has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.

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 2019-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Good morning, In 2004 I included this Wells Fargo XXXX line credit into my bankruptcy. Both the loan and bankruptcy were in Colorado. Since then, it appears on my bank account as active and Past Due. I have repeatedly called, met with officers trying to get this removed from my record. 

During my latest attempt, the Wells Fargo representative looked at my account and very loudly pronounced well, youve got a XXXX line of credit that yiu are past due on! And everyone in the bank nearly looked at me. This is not the first time a Wells Fargo employee has been less than careful with private info. 

I was furious but politely left. She was completely unprofessional in both appearance and attitude and I was humiliated and had my privacy disrupted right there in my Brothers home town bank in XXXX XXXX, NV. 

The original loan was obtained in XXXX, Colorado. 

This has affected my credit and I am done trying to go thru Wells Fargo to clear it up. 

Thank you for your time and expertise.

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 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: SC

Complaint narrative:
An account opened with XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX for the amount of {$260.00} has no reason to be listed on my report. This is not a debt owed by me and I wish for it to be removed from my credit report for it is damaging 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 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was recently notified ( XX/XX/XXXX) by an employee of HSBC Bank that my checking account has been incurring fees of {$50.00} per month beginning possibly no earlier than XX/XX/XXXX.

After complaining, the bank agreed to reverse 3 months of such fees. This leaves {$200.00} of my funds in the hands of the bank.

The account from which the fees were taken was a zero interest checking account. The bank states that I should have reviewed my bank statements, which I did, but I did not see the charges. The bank stated that they alerted me that the fees would start in an email which I never saw.

The bank also stated that I can open an account without any fees but that requires a lower balance to not incur fees, this I did at least until the fee issue is resolved.

I have had the checking account open since XX/XX/XXXX and was never previously charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am a co-signer on the Private loan that my daughter has. On XX/XX/XXXX, I informed them that I am unable to pay on her account due to having to pay over XXXX a month myself in student loans and have asked them to grant her a forbearance for more than what they are saying. 

On XX/XX/XXXX received another call and spoke with the customer service rep. and asked her to read the notes on the account stating that I can not pay. She became rude and asked why and I unwilling to pay. I asked to speak to her supervisor. I told the supervisor my daughter can not pay and that I would like a 6 month forbearance on her account and to send me the paperwork to my email, she stated they can not do that and they can not mail the paperwork. I must first pay the {$50.00} to start the process and then I will get the policy in the mail. I stated I am not going to pay for something before reading the document as to what I was agreeing to. How can a company force you to pay for a forbearance first and not know what the terms are only going by what the representative is telling you. I refused to pay them anything without reading what I am agreeing to. 

No one should have to blindly agree and pay for anything. This is the first rule we are taught as consumers never give any company money without reading the fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX years ago I missed a payment for my student loan. They didn't remind me or tell me that until I made up the arrears I would be charged a late fee. They never told me the whole amount owed so that I could catch up. I have been fighting with them, each time I paid what they said was the current amount owed they still said I had a late fee, even when I paid before it was due. I told them over and over again that I paid on time but they still said the payment was late. They never informed me that they were carrying the missed payment as an arrears and that all the payments after the missed payment would carry a late fee. Over and over again I asked why I was being charged a late fee ; they would never tell me. Finally, XXXX YEARS LATER one of the operators told me that I owed that payment from years before. Thus far I paid {$920.00} in late fees which did not go towards paying down the account. I believe they cheated me by way of omission. I could see if I hadn't asked over and over again about why I was being carried in arrears, but I asked them over and over again about straightening this account out but I believe they deliberately hid this from me. I took out the loan for {$7300.00} on XX/XX/99. I still owe {$6600.00}. I've paid over {$15000.00} which is more than twice what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sterling Credit Corp.
State: PA

Complaint narrative:
The telephone number listed is my place of employment. I have requested this man stop calling. XXXX XXXX XXXX XXXX XXXX, XXXX. 
He has called every day this week and I have repeatedly asked him to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth 3rd Bank was my bank for many years, and I finally closed my account in XXXX after many years of wrongly being charged for insufficient funds when I actually had the money in my account. This bank does not follow first in, first out guidelines when paying out my funds. They pick and choose which checks they honor, not based on when the checks get processed, thereby causing overdrafts in large numbers. For the year XXXX, they charged me over {$2000.00} in overdraft fees. They also several times held my deposits for over 2 weeks citing the reason being that I had excessive overdrafts! 
I was so upset over the fees in XXXX that I didnt look up the fees for XXXX or XXXX, but even if they decreased by half, that is still a total of {$4000.00} over just 3 years! The reason I didnt close my account earlier is that I got ill and had to concentrate on my health, and as well, I had all my bills attached to Fifth 3rds automatic bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I nearly lost an M & T Bank savings account with a balance of {$16000.00} to " escheatment, '' defined as " reversion of property to the state when no legal heirs or claimants exist. '' I had opened the account in XX/XX/XXXX, signed up for online banking, regularly went to the website to get my monthly statements, and suddenly discovered that only my checking account remained. I called my M & T branch to investigate the missing savings account and was told it had been deemed " dormant '' and was reported to the State as " abandoned funds '' because I had not made a deposit or withdrawal since XX/XX/XXXX. ( Under Maryland " unclaimed property '' laws, the State can legally grab bank-reported " abandoned '' accounts after only 3 years. ) This was an eventuality no one had warned me of when I opened the account, and I had never received a notice from M & T Bank -- written or otherwise -- that my savings account was in jeopardy owing to " inactivity. '' When I went in person to my M & T branch to show ID, sign a form acknowledging I own the account, and prove I was still alive and kicking, the account was restored to " active '' status, and my savings account reappeared online. I set up $ XXXX  monthly transfers from my checking account ( always very active ) to my savings account to prevent escheatment ever happening again. I want seniors to hear my story. If you think your nest egg is safe because it's in the bank, you should double-check.

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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I went online to get a credit report thru Experian because I wanted to be certain an error in my report had been corrected. I understand that I am entitled to a once a year free report but they indicated there was a {$1.00} charge which I agreed because of its insignificance. Somehow in the application process they con you into an agreement that says in effect that if you do not cancel the membership within 7 days, there will be a recurring monthly charge of {$21.00} to the credit card required to pay the {$1.00} that is supposed to be free. Upon calling they readily agreed to cancel future charges but refused to refund the first month 's charge. THIS IS A TOTAL SCAM AND IS INTENTIONALLY DESIGNED TO GET PAID FOR WHAT IS SUPPOSED TO BE FREE BY LAW. These people need to follow the law or be put our of business as I suspect the number of people being scammed is substantially more than reported due to the relatively small charge. REDICULOUS!!!!!

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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Last week I purchased groceries at XXXX XXXX. The attendant asked me if I wanted to open a charge card, I told her no, she asked if I wanted to up my membership I stated no. She said it was two questions I would be asked. I explained to the attendant I did not want an inquiry on my credit which is what happens when you open up a new line. I paid for my groceries and left. Then when checking my credit it says I have XXXX line of credit at XXXX XXXX. I did not agree to this line of credit, I have no XXXX Charge card in my possession and I specifically told the attendant I was not interested in opening a line of credit.

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 2019-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
My wife received a call a couple of months ago from Complete Credit Solutions regarding a supposed online payday debt from 2016 in my Name. We had NOT received any correspondence in the mail from this company. They claim they have sent multiple letters which have not been received. The original creditor is XXXX which from our research is a tribal online payday lender with multiple complaints and lawsuits. We asked for validation which to date nothing has been received. 

Last week, she received the attached email from another " attorney/collector '' stating they were collecting on the same debt that CCS had transferred to them. They then called my XXXX year old daughters cell phone and left a recording to which my wife called them back and told them to stop calling and send something in writing for us to respond to. They refused saying letters have already been sent. Again we have received no letters. Today CCS has now reported this unvalidated debt on my credit reports.

Company response to consumer: Closed with explanation