vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
RE COMPLAINT # XXXX WF contacted me on Monday and today XX/XX/2018. Left a message calling for XXXX XXXX XXXX calling re modification request what was changed since last review.This is XXXX, call me at XXXX. 

I called this number twice and spent over 30 min in trying to reach XXXX as NO ONE knows who he is.The XXXX is the main number to WF with over 10 prompts as I have no dea where to go from here.Both messages refused to provide his contact info so I could reach him nor did anyone from WF attempt to assist me.

The first call I was told there a 2 cases as one is re MIP ins/and HUD discrepancy and other is from reentry dept. He transferred me and as soon as I was transferred I got the run around and no one knows who he is. 

This is an attempt to a '' DEAD END '' and to " buy time intentionally ''. WF has "  refused '' to assist me re my complaint. This is the type of games they play so I will just go away and how they continue to get away with treating me unfairly.Well Im not going away. How much time do I need to spend and am I required to run this person down by the name of XXXX? as apparently this was the attempt or he would have provided direct contact info ; so I dont have to be transferred from one dept to another. I have to verify my personal info repeatedly. Is this how a professional mortgage company do business? Is this the way customers should be treated? How do they continually get authority to treat customers like trash and brush them off is disturbing. 

I filed a complaint against HUD/as they will link me back to WF -complaint filed with the Dept of Justice and Attorney General as well.

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 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/18 wanted a release of credit freeze for a day. Had to give equifax data that was not available me @ the XXXX store. XXXX data to Equifax XX/XX/XXXX and they told me the release of freeze would be in 1 hour and last for 24 hours.Returned to XXXX XX/XX/XXXX and credit freeze was not lifted. Equifax wanted me to go through the same mind boggling questions .ried to do that at XXXX but Equifax was not satisfied. Tried to escalate my problem but got nowhere. XXXX was able to get around problem and start my account. 

Equifax claimed there was a computer problem. They are extremely difficult to deal with. Either they should be required to have more competent employees or computers that work properly or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen has increased my payment monthly and will not give me an answer why. I keep getting notices from them monthly that I am behind in my payments. I have all the bank statements that prove I was NEVER delinquent in ANY of my payments. I refinanced my home ( apparently through them ). I am not sure. I have NEVER had a problem with my mortgage ( paid on time ). I am on XXXX and collect only {$1200.00} per month. My mortgage payment went from {$760.00} to over ( what I believe to be XXXX almost {$900.00}. I keep getting letters from them every month in regards to possible foreclosure and when I call them, they tell me my equity is in arrears. I've had this mortgage for 11 years and it never increased. I can not afford to lose my house that my late husband bought for us. As I said, I am on XXXX and can NOT afford this increase. PLEASE let me know what I can do, I am scared. 

XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Issue with : Equifax only Date : Ongoing Problem : Equifax has not updated my credit score or credit report since 2012. My Equifax credit score is 90 points lower than the other two major credit bureaus. I can not dispute or ask Equifax to update my credit report because their website stonewalls me, claiming I give them incorrect contact information. The same information works correctly with the other credit bureaus. 

Detail : When I attempt to access my credit report with Equifax, they tell me that my contact information doesn't match their records. This leads to an infinite loop : I try to update my contact information, and that yields an error message because my information doesn't match their records. 

My credit monitoring service shows that Equifax 's records for me stopped in 2012. 

I've tried using my contact information from 2012. That doesn't match their records. 

I've tried having them send a contact information update form via. post. Some weeks later, a letter from Equifax arrived. The letter states that they can not provide an information update form by post because my information doesn't match their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Account # XXXX Claim # XXXX I am filing a complaint against Ditech Financial, LLC. Hopefully my complaint will benefit many others. I had smoke damage in my home. My insurance has come and access the damage and written the check to cover it. However ; it is written in my name and my mortgage company. I would like to endorse the check and send it to them so they may endorse it and send me part or all of it to start the process of making the repairs. I also plan to send my claim report from the adjuster, In addiction Ditech is requesting for an estimate of the material that will be used from XXXX or another supplies place. Well actually I tried to get that information. But XXXX was unsure how to give that information since it requires price, quality, and quantity. from the claim. It is about 9 rooms that that has to be restored, serviced, and remodeled. All rooms won't use the same material. I need to start and figure out what is needed along the way. My insurance company said all they need to do is cash the check and write me a check to begin then verify what was done, and give me the balance. I am doing the work myself under the coaching of a skilled handyman. They want to pin me down to a certain company to buy the material. But I plan to do that according to whoever give me the best deal with the price, quality, and quantity. Here are the places I plan to use XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. You would think that Ditech would like the house repaired since they still hold an interest in it. If there is any other information that you may need, please call XXXX XXXX. Thank you very much for whatever help you can give.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: PA

Complaint narrative:
Summary : XXXX denied my TEPSLF application based on a requirement of which I was never informed. 

XX/XX/XXXX : I apply for TEPSLF XX/XX/XXXX : I am informed via e-mail that I am being considered for TEPSLF. 

This is the last communication I receive until XX/XX/XXXX. I learned from the TEPSLF web page that anyone who applied in XXXX would be informed by XX/XX/XXXX. 

I was not informed of my status at all. 

On XX/XX/XXXX I e-mailed to inquire about the status of my application. 

On XX/XX/XXXX, after hearing absolutely nothing, I contacted XXXX by telephone. 

The poor young man I talked to, XXXX, had the misfortune of telling me that I had been rejected, because ONLY the payments I made since my XXXX loan consolidation counted toward TEPSLF. At no point in the process was I informed that consolidation played a factor here. I asked to speak to a manager, and was put on hold for a while, eventually transferred to XXXX. XXXX talked to me like a child, explaining again that none of the payments I made before XXXX would count. I interrupted her to say that the problem was that no one had informed me of this and that I wanted information on how to appeal. XXXX promised me that this information would be sent. 

Instead I received an automated e-mail almost immediately re-iterating my denial on the grounds that were never explained to me in the first place. 

Repeated e-mail requests for the appeal process procedures this week have led to nothing but being told I needed to call in. 

I have also filed a complaint with the Federal Student Loan Ombudsman Group. I  don't mind paying my loans. In fact, I'm paid ahead until XX/XX/XXXX, that's how fiscally responsible I am. But don't tell me you're going to reward my public service, then keep moving the goal posts and treat me like an infant when I stand up for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
daily harassment from XXXX XXXX on monthly payments that are not even due yet - literally 10 calls a day asking about my payment when I have a grace period of the XXXX of every month. 

due date is the XXXX of the month - 15 day grace period puts the payment off until the XXXX of every month. Yet they call me 10 times a day and I have to explain this to the reps even though they have the information right in front of their screen and they confirm it every time - " ... yes sir, correct sir, you have until the XXXX to make the payment sir. '' I have lost my patience -- -- - this is 100 % HARRASSMENT!!! 

don't do business with HSBC ... ... its their policy to harass you ... ..even when you are making timely payments ... ... .ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is my second case ( first case : XXXX ). TD failed providing a resolution to the previous case I opened. They are unable to justify the remaining balance and on top of that they added late fees and additional charges of XXXX cents daily. Not only TD never sent a bill for the remaining balance, they never told me anything about it during my calls with their customer service. My last payment was of {$1900.00} and was the exact amount they told me it was remaining on my car loan after I made previous payments to pay my car quicker. After that {$1900.00} amount was paid they told me they were going to send the car title but never sent it. I have called several times after that but they never mentioned anything about a remaining balance. I even tried to access my online account but I was unable to login, and when I called to see why I was unable to login they told me it was because mu account was closed because my car was already paid off. TD needs to send me my car title as soon as possible. After months of me requesting my car title they send through CFPB a supposed letter they sent me in XX/XX/2018, and one letter on XX/XX/2018, the, letters that have never made it to my house and I only received them because I filed a complaint through CFPB. Because of their irresponsible customer service, account mismanagement and blatant miscommunication I am unable to get my vehicles title for over seven months now and it seems they have sent my account to collections. TD cant explain where the remaining account comes from, and theyre adding fees on top of it adding insult to injury. They attached documents to the previous case that dont show where that remaining balance comes from even after their Customer Service specified my car was already paid off. They also need to listen to the phone calls from customer service when I contacted them all the times I called where they confirmed my car was already paid off. TD needs to fix this problem urgently and eliminate or erase the supposed remaining balance because there is none existing since my car was paid off as confirmed by the several phone calls I made ( requesting the car title ) and their various phone representatives that spoke to me, and the zero balance on my account when the las payment of {$1900.00} was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: OH

Complaint narrative:
According to Federal student aid ( department of US education ) and national student database, I have 17 total student loans which has been consolidated under 3 loans with XXXX XXXX borrowers to service my loans. I have confirm with FSA & XXXX XXXX that i have no other student loans, also verified by national student loan database. Company name Solomon & Solomon P.C. claims that they have been hire to collect my student loans behalf of NJ education department. They do not provide any documentation or provide any proof regarding this loans.Solomon & Solomon P.C. is charging daily interest on this accounts. They have report this on my and my parents personal credit under " NJ education dept '' in which balance goes up every month with default status. my families personal credit has been ruined because of this. Lenders look at this accounts as default with federal and therefore it disqualifies with any SBA loans or mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX and XXXX I went and I applied for my XXXX XXXX XXXX XXXX early tax refund. I was denied due to Experian saying I had an open bankruptcie. I then got a hold of Experian I do not know who I talk to because I could not understand his or hers name just like today when I talk to them I did not understand the second guys name. The first one I talked to was XXXX, but he sent me to some one else. last year I had to fax over proof and I mailed it in to Experian that the bankruptcy was closed from XXXX I proved it was closed they took care of it because I was able to go back to XXXX XXXX XXXX  XXXX and get the early refund. This year today XX/XX/XXXX I went to go get the early refund again to be able to fix my vehicle. Yet again because of Experian saying that the bankruptcy is still open from XXXX even though I've sent them the paperwork stating that it was closed I got denied again for the same reason. today XX/XX/XXXX I called Experian and I started off talking with a gentleman named XXXX who forwarded my call to somebody else who was supposed to be able to take care of it right away for me I could not understand the man 's name. he said I would have to wait 30 to 45 days for them to fix what they failed to fix last year even though I emailed them and uploaded the documentation stating that it was closed and it needed to be changed on my credit report. I then asked him how I can make a complaint to Experian about whoever dealt with my stuff last year the guy then proceeded to tell me I needed to get an attorney and go to court to make a complaint about them. I have dealt with this issue and they have the proof. I'm being denied credit due to this fact. and I don't feel I need to wait another 30 to 45 days for something they should have fixed over a year ago.

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 2018-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Submitted a XXXX XXXX XXXX XXXX through servicer Nelnet under account number XXXX. Nelnet sent me a letter dated XX/XX/2018 ( attached to this complaint ) stating in bold that the review process can take up to 30 days to complete. Thirty days has passed and the status is still reporting as follows per the Nelnet website : Pending Final Approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2018, Credit Acceptance is NOT reporting my good, on time payments for my car payments. I asked C.A. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AR

Complaint narrative:
The way my loan payment is setup it is split into groups. If I pay by account, the amount I pay is split by them between the three groups. But it doesn't specify which group is getting what. 

Two years ago I made a large lump payment from inheritance that cut my owed amount in half. And after that I paid an average of {$100.00} payments which was double their {$58.00} recommended amount. 

The {$58.00} was being split between Group A and Group D, with interest rates of 4.5 % ( Group A ) and 3.860 % ( Group D ) while {$0.00} was being applied to the loan with the 6.8 % ( Group B ) rate meaning it was just gaining interest this entire time. 

Since then I've been using the 'pay by group ' option so I make sure some of my payment is going to Group B. 

I've attached the screen to show how they look, but since I already paid for this month it won't show the automatic distribution. I can provide that at the start of the month when the next payment required shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of American Credit Card Number : ending XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX in the amount of {$15000.00}. This letter is in regards to my DISPUTE for the charges listed below, for the services prepaid that I have not received : XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} This transaction was used as partial payment to pay for the XXXX XXXX that will take place on XX/XX/2018 to XXXX, 2018 at XXXX. 

Please see my attached document for 1 ) my ticket to the XXXX XXXX XXXX 2 ) Receipt for the XXXX XXXX XXXX 3 ) Contract agreement for XXXX XXXX XXXX  The dispute amount of {$15000.00} was used as partial payment to pay for the XXXX XXXX  that will take place on XX/XX/2018. I was unable to attend because XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. 

I did not receive XXXX XXXX service from XXXX. I did not get to attend the XXXX XXXX. I did not received the service indicated on the contract agreement for XXXX XXXX.. 

XXXX was shut down by the Federal Trade Commission on XX/XX/2018 and have been taken over by a Receiver named XXXX XXXX XXXX, please check the FTC website and the Receivers website for the latest updates. 

thank you very much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
XXXX XXXX has contacted some of my family members stating that they are serving me with a summons. When I called them they told me that I owed money to Cash Central. This debt was paid XX/XX/2018. This company threatened to bring legal charges against me because I defaulted on the loan. When I told them I had already paid it they said ok. But a couple of hours later I received a phone call from a relative saying this company called them and told them I had not contacted them to resolve my debt and to contact them. I contacted Cash Central and they do not know who this company is. They said the sold the debt to XXXX XXXX and are not trying to sue me. I called XXXX XXXX and they also have no knowledge of this company. I emailed XXXX XXXX a copy of my paid in full letter showing this debt has been paid. And lastly, I contacted the TN Dept of Commerce and Insurance to see if this company is a licensed debt collector in the state of TN. They are not. They did the same thing to me last year. They called and harassed family members about a payday loan saying that criminal charges would be filed against me. Out of fear I paid them. They told me they would drop charges if I paid. I later found out that another company owned the debt and charges were never filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX keeps calling at work and i have told them to stop. They will not they threaten to damage credit and i have asked for a statement they say they do not provide this. The calls at work have to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX, the collection agency for XXXX XXXX XXXX  is reporting that I have a missed a payment 4 months ago for an account they have been trying to collect for 4 years. Because I repeatedly disputed it to have it removed, they updated the information as if it's current and accurate information. It's damaging to my credit and reputation. 
Please remove the account permanently from all three bureaus. 
Thank you.

Company response to consumer: Closed with explanation