vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 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: On Q Financial
State: GA

Complaint narrative:
My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
By Federal law my vendor must refund to my credit card however Citibank put the refund on the credit card that they closed.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank refuses to accept refunds from my vendor on a closed credit card.

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 2018-05-11 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: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: AES/PHEAA
State: MO

Complaint narrative:
It started in XX/XX/XXXX they called and said they could consolidate loans so i wouldn't have to deal with how long it takes. I haven't clicked accept terms and conditions either. spoke with us dept ed and they said it was a scam and to procede with the investigation XX/XX/XXXX. They took {$160.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX this was fees to get a consolidation, but they never disclosed I could do thru government and student loan sites that are associated with the government for free in 30 min. They also said I have to set auto pay for XXXX $ every month for the service. I have called bank to block them from being able to scam me anymore. I was told they have to legally tell you its free. I did get loans consolidated with payment of XXXX $ or XXXX , but This is wrong to take advantage of someone who has XXXX in debt they have no idea. then they gave me a bogus servicer and they didn't have loans for me. called and they said it is through XXXX which it is. I asked for proof of me say yes on the phone recording of them saying he could do for free, and she hung up and said it takes weeks to do, but I know for a fact that is a lie, I did mine through us dept ed and no fees. What can I do? I want fedloan as servicer but not associated with XXXX. ALSO they told me never to go through my new servicer to call them and they handle everything only to XXXX it up. They had their phone numbers on studentloans.gov and on my servicer XXXX also i said city blue springs mo and they put XXXX   XXXX. I have yet to get anything from my servicer regarding payments. Please help or my lawyer will handle it and I spoke to my bank and am filing fraud and so they cant get any more money that I could give to my servicer and i have no signed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I was making monthly Student Loan payments ( to a now defunct XXXX University, XXXX XXXX ), after a forbearance period, when I had a XXXX XXXX ( XXXX ) in XX/XX/XXXX. The guidelines were made clear in the U.S. Department of Educations documents, even online, that such a Medical crisis is grounds to have a S. Loan " discharged. '' After supplying the proper Medical documentation ( s ), I received a XX/XX/XXXX letter stating my Discharge was Approved. Some time later I began getting phone messages from the same company ( Nelnet ), stating my previously discharged account was " reinstated, '' without explanation. I got a letter from them dated XX/XX/XXXX, I still possess. During that time I was maritally separated. We lost the home, etc. We filed bankruptcy and I've just discovered Nelnet is on the list of creditors to get a payment? I totally disagree with this payment so I contacted our Bankruptcy attorney. He stated Nelnet " is '' on the list, and may only get a minor amount of the funding. He totally ignored my initial complaint of them being on the list, at all. After an initial XXXX, a second one is much easier to suffer. Nelnet had no regards for my health with their letters, calls, threats, and demands. I feel something nefarious and illegal may be going on here, with Nelnet getting an " illegal '' cut of our Bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Commonwealth Financial has been reporting on my credit for over 8 years- each time its a different amount different medical debt that Is not mine. I will disputes this and then random may they will take it off my credit and put it back on my credit in either the same debt that was taken off or they will report anuther amount for another company- I have repeatedly disputed this-and they continue to add debt to my credit.

Sending me bills with unknown account numbers-and now the representative that is the contact on the bottom of bill-has the name of my son-which is not common last name- and now could be identity theft.

Statue of Limitations is valid and this company is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I received an outdated lease after I requested validation of a debt. I also received a list of fees that we're out side of the dates of the lease. I believe the lease was altered as well because it stated four months in parentheses as the terms of the lease but it also showed stated the number 12 as in 12 months. An outdated lease can not be used to validate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: VA

Complaint narrative:
PMAB , LLC has been adding new debt to my credit for over 6 years. They have taken debt off and added new when it has expired over the statue of Limitations. The original debt on the amount of {$780.00} has been disputed and has not been removed -Insurance was sent as proof and nothing has been done about this.

I had insurance to pay for this old ER visit and need this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
its Ditech.com that is perpetually SO IMPOSSIBLE TO access to log into my account is like breaking into XXXX  for two years, once in a lifetime u get into the home page, clicking the log into my account gave you Error page. i spent tons of money calling from overseas n the answer they gave u is " dont use iphones, and when i said i did not n they came up with other excuses like we can get on fine, it must be your network!!. i have complained n send them emails n they got back with a do not reply email that simply condescended you with someone will be in contact ... .3-5working days, WHAT THE HECK??

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
On XX/XX/XXXX I contacted Transworld Systems Inc. in reference to my student loan ( currently in default ) because I wasnt able to make my monthly payment due to being out of work on extended medical leave. My next payment was set for XX/XX/XXXX. I received a phone called from XXXX XXXX from Transworld Systems Inc. stating that my payment was due. After explaining to her that I had just gone back to work, was unable to make my payment and requesting an extension on my payment XXXX XXXX informed me that my settlement would be null and void. I asked her why the current settlement would be void if I was unable to make the payment? I then asked her if she could provide me with a copy of the agreement stating that if I missed a certain amount of payments the settlement would be voided. She said she could only provide documentation stating my monthly payment which is not what Im requesting. Im requesting something in writing from Transworld Systems inc stating the terms of the settlement agreement as well as the remaining amount that I owe and the number of payments Ive made thus far. If Transworld Systems inc is unable to provide me with any documentation how do I not know that the loan hasnt already been paid off as Ive been making payments in the amount of {$230.00} for over a year now. 
Furthermore, XXXX XXXX stated to me on the phone on XX/XX/XXXX that she personally allowed me to miss my last two payment as a favor. Now shes saying my settlement is void because I requested an arrangement due to my inability to make payments due to no income. 
After requesting the documentation XXXX XXXX placed me on hold then said she would call me back. 
I would also like to know why Transworld Systems inc has not been reporting my payments to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and Experian is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX  XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX  XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-11 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: BYL Collection Services
State: AZ

Complaint narrative:
BYL COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, PA has reported a debt on my XXXX credit report. I have never heard of this company and they have never contacted me. I believe this is a fraudulent report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and XXXX is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below Santander Consumer-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Navy Federal has frozen my account. I can not withdraw, transfer, or use debit card. They have locked me out of my account and I have no access to my funds. This is because loan is past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My XX/XX/XXXX statement was paid in full as every credit card, including this one, ALWAYS are. The payment due did NOT reflect on the account so when the next statement came it was not accurate. I could see the electronic payment was posted when looking at my XXXX XXXX account but it was NOT showing up on the PayPal credit account online. As a result the next statement was inaccurate and included late fees and interest AND an inaccurate balance. 
XX/XX/XXXX 's statement was not correct despite a conversation with a CSR who had, at the time, removed the fee 's and interest BUT still had not applied the payment. This continues ( although now, all of a sudden, that payment from XX/XX/XXXX 's statement, applied in XX/XX/XXXX magically appears ). 
I have repeatedly requested a fee and interest fee final balance so I can pay it and move on but have NOT received a reply, in writing, that I requested. 
Additionally I requested that the account be closed BUT they continue to allow new purchases to apply so they have not closed the account. 
They do not respond in writing as requested and have taken no action. All this over what is well less than a {$50.00} " actual '' balance that is now over {$100.00} due to fee 's and interest being charged. Its unacceptable and I need your help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: TN

Complaint narrative:
Too many HARD PULL inquires .... I applied for a VA refinance their should have only been ONE Hard pull not Eight as it appears ....

This complaint -- inquiry is only about the refinance on my VA mortgage ... .. and no other credit ( Hard Pulls ) for other mortgage or credit cards ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I tried to reduce the interest expenses on my loan # XXXX with Wells Fargo Home mortgage ( Servicing of my loan ) then I made a payment for {$2000.00} by my check # XXXX from my account # XXXX in Wells Fargo Bank branch at XXXX XXXX in XXXX XXXX NC. the payment was paid to Wells Fargo Home Mortgage by XXXX XXXX XXXX XXXX ( agree the statements ) .since I have tried hardly Wells Fargo Home Mortgage to reduce the principal on my loan for the amount paid by me of {$2000.00} this have not happen. The last time I contacted them on XX/XX/XXXX the company one employee of the company told me they applied my {$2000.00} to the escrow fund on my loan. I want to observe that I have paid my loan for about fifteen years without skipping payment or having late payment. So at the time of my payment for {$2000.00} I did not have pending for escrow fund neither for my regular monthly mortgage payments. 
In regarding to the escrow fund, when I had shortage on this fund I use to mail a check to Wells clearing house they ask me to mail.. The company on its account activity statement recorded my payment as received but did not reduce the principal on my loan. also when Wells Fargo does not apply my monthly payment to the loan as happened on my payments of XX/XX/XXXX for {$820.00} paid by my ck.XXXX account XXXX, my loan will show a shortage too on my escrow, interest and insurance because they are included on my monthly regular payments. for instance in XX/XX/XXXX I paid my ck. XXXX from my account XXXX for {$820.00} this has not been posted on the statement sent me by Wells Fargo Home mortgage on XX/XX/XXXX, the company want to involve this payment with my payment of {$2000.00}

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 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: NC

Complaint narrative:
My XXXX loan was consolidated with out my knowledge and are now being serviced with XXXX XXXX. I was told my loan would be forgiven due to being a government employee and my income and went a year with no payment. A year later I received information that my loan payment would be XXXX monthly. I have contacted XXXX XXXX regarding my loan and have been told there is nothing they can do to help me. I have made payment to them to keep them from reporting negatively to credit! I was not told that according to my tax documents I had XXXX dependents and then when they reviewed my loan it was discovered I only had XXXX dependent. I have NEVER reported the the IRS I had XXXX dependents. XXXX XXXX has not provided me with any proof that I gave them or anyone else permission to consolidate by loans through them ... ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I recently short sold my primary residence in a short sale on XX/XX/2018. The first mortgage was a full payoff, the second, with PNC Bank was a short sale and they settled for {$77000.00} per their attached short sale approval letter. The letter clearly states that the debt of {$34000.00} was to be forgiven. Now after almost 3 months, they have still not recorded the satisfaction and have taken the past due out of my checking account without my permission.

Company response to consumer: Closed with explanation