vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by Santander Consumer USA account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for Santander Consumer USA, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by Santander Consumer USA, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mr. Cooper has been taking money submitted as extra payment on principal and applying it as though it were a normal monthly payment and putting the extra interest in their pocket. I have contacted them at least 4 different times about this problem. Each time I am promised that it will not happen again. 

I have attached my most recent statement which contains a fraudulent accounting. As you can see, the initial monthly payment of {$2400.00} was made on XX/XX/18. From this {$1900.00} as applied as principal payment and {$460.00} was applied as interest. This part is correct. However, the statement also indicates that 2 additional payments were received on that date, one in the amount of {$1500.00} and one in the amount of {$2400.00}. These last 2 postings are fraudulent because, in fact, only one additional payment was made and that was in the amount of {$4000.00}. As you can see in the copy of the attached statement, they then withheld an additional {$470.00} as interest. In other words, they stole {$470.00} from my payment of {$4000.00} and put it in their pocket. 

I have had this problem several times and each time a supervisor has promised to fix the problem. Given that this has happened at least 4 times in the last 5 years, I believe this in an intentional effort on their part to steal money. I have to believe I am not the only one subjected to such fraudulent procedures. I therefore request an official inquiry into their fraudulent behavior. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
I borrowed {$950.00}. It was to be paid back on paydays through XX/XX/2018. They are still taking out money from my bank account and say they will continue through XXXX. I have already paid back almost {$2000.00}. I'm going to my bank to stop them from withdrawing any more funds. I don't want this to go against my credit. They should be stopped from charging interest such as this and misrepresenting repayment terms>

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 2018-09-14 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
My student loan payments are being applied to interest only instead of principal, then interest, including extra payments. I have asked for an explanation from the Navient advocate but have only received meaningless double-speak. Meanwhile, my loan amounts continue to increase rather than decrease. I pay {$200.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/2018 : I entered a debt modification program through XXXX XXXX XXXX of XXXX, AZ. 

XX/XX/2018 : I made my monthly car payment of XXXX to Capital One Auto Finance. 
. 
XX/XX/2018 : Capital One Auto Finance debited XXXX from my bank accout as agreed. 

XX/XX/2018 : Capital One Auto Finance reversed the payment. 

XX/XX/2018 : Capital One Auto Finance sends an email advising my payment was late, warning me of extra fees ans charges. 

XX/XX/2018 : I again make a payment of XXXX to Capital One Auto Finance. 

XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I fax Capital One Auto Finance a cease and desist letter, providing evidence that my payment was made on time and then rejected for what I assume is my association with XXXX XXXX XXXX. I include a copy of CFPB XXXX XXXX and advise them they are in violation of the XXXX - XXXX XXXX per the CFPB Bulletin. 

XX/XX/2018 : Capital One Auto Finance again debits my bank account as agreed for XXXX XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I've made a payment XXXX, making my account current with Capital One Auto Finance, a day before my XXXX monthly payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Date incident occurred : XX/XX/2018 at Approximately : XXXX PST. 

I called into IQ Data International collection agency to try and figure out a debt and resolve it. I called in and spoke with an " XXXX '' right off the bat he was rude and wanted to belittle me. I told him I wasn't aware I had this debt and what it was about as I know I paid this apartment complex off with a cashiers check when I moved out. He stated that they have called me multiple times on my cell phone, my employer and sent me information. I advised I have not received anything. He stated that " I should pay my bills and I wouldn't have to worry about it. '' I was offended by this as I was trying to call in and resolve this debt, I told him not to speak to my like that and he continued to antagonize me and apologize that " you are sensitive sir. '' I stated this is how you treat customers? he replied " you are not our customer, XXXX apartments are. '' I then stated that it doesnt give him the right to treat me like that, he then responded with " Oh, I am sorry I offended you sir, I am sorry you are sensitive. '' I asked to speak with his supervisor, he then responded very aggressively with " No, you will not speak to my supervisor you will speak with me, I am sorry you are so sensitive but you are not talking to anyone but me. '' I continued and demanded a supervisor, he then sent me over to " XXXX '' who was the manager on duty she said they would listen to the call and take appropriate action and then we discussed the options I had. While on the line with her the background noise was insane with people yelling and cheering and I asked her what kind of establishment was this? She responded " I am sorry they like to be loud sir. '' She ended up taking my payment to resolve the debt and as she took it I heard people in the background taunting and cheering that she got me to pay. I am very upset about how this was handled and it was the most unprofessional interaction I have ever had with any company in my life. I want to file a formal complain on IQ Data International Inc.

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 2018-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My hazard insurance for this property expires XXXX XX/XX/2018 and of course, my premium has increased so I am in the market for another company to service this requirement. Sometime in XXXX I called Freedom Mortgage, the mortgager, and gave them this information : do not pay the current insurance bill since I am actively pursuing quotes from other companies. I do have a quote I intend to accept but I am awaiting results of a wind mitigation inspection I decided to purchase in hopes of reducing my premiums even more. I went online to my mortgage account today to let Freedom Mortgage know that a new policy was forthcoming. However, it seems this mortgage company has disregarded my request to withhold payment to current insurance company and paid them the increased insurance premium. Now I will have to pay the new insurance out of pocket which is what I wanted to avoid. I know I should get the paid amount refunded but that could take weeks and I am on a strict budget. Freedom Mortgage has been an absolutely horrible company since day 1 when my original mortgage was sold to this organization. WHY don't consumers have the right to select their own mortgage company? Because Freedom Mortgage would surely go out of business as I know many other veteran homeowners who are as frustrated with them as I am. While writing this I am on hold with Freedom Mortgage waiting for customer support. The recorded message claims they are handling calls from hurricane affected people but the hurricane is still active. I can see an insurance company being overloaded with calls but a mortgage company? This early in a hurricane? Come on! You are supposed to be a consumer protection agency yet NOTHING is done about Freedom Mortgage from what I can tell. They should in the very least be barred from providing, administering and servicing VA Home Loans!

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 2018-09-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for XXXX XXXX XXXX and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,

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 2018-09-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,

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 2018-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was banking with XXXX XXXX then. 2001. I am XXXX XXXX retired. XXXX XXXX XXXX XXXX XXXX division of the XXXX. I deposited my life savings into this account and they never offered me XXXX XXXX. This resulted in my account being hacked. I lost over {$300000.00} in this bank error on the part of Wells Fargo.

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 2018-09-14 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hello Sir/Ma'am I have purchased furniture from XXXX store and they gave me interest free credit for two years. The credit account is with Synchrony Bank. Payments were normally taken out of my XXXX XXXX XXXX XXXX   until XX/XX/2018 when I was shocked that Synchrony Bank withdrew the total balance from my account! After contacting Synchrony, they claimed that I made full payment which is illogical! Anyway, after submitting a dispute XXXX XXXX XXXX XXXX refunded me my own money. The problem is that Synchrony suspiciously claiming that they credit ( refunded ) me the whole amount again and trying to charge me!! I called Synchrony bank to investigate but they insists that I was paid twice. I have only one checking account with XXXX XXXX XXXX XXXX and they confirmed that only XXXX refund to my account through XXXX XXXX  XXXX XXXX! I need your help please

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 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2018, I contacted Experian via Certified mail, please see attached receipt, in order to correct 2 incorrect addresses being reported on my credit profile. Today, XX/XX/XXXX, I contacted Experian via telephone because i was declined by a creditor due to address discrepancy. I thought it be more expedient to speak with a live person to assist me regarding this matter. Well I was wrong! I spoke to a representative who told me they COULD NOT remove the INCORRECT address they're associating with my name because a creditor of mine was reporting it. Unfortunately for Experian I know this to be a blatant fallacy because I contacted ALL of my creditors PRIOR to contacting Experian and NONE of them have any such addresses in my profile. Experian attempted a " boiler plate '' response to circumvent the legal responsibility before them.

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 2018-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC
State: OH

Complaint narrative:
I received an " offer '' from a company ( I forget if it was a direct call, or web ad, or mailer ) that offered to setup a payment plan to repay my student loans. The company stated that after paying a minimum balance, based off of my income, after 8 years the rest of the student loan would be forgiven, as part of a student loan forgiveness program with the US Government. 

Opting for this, I setup a monthly payment with XXXX XXXX XXXX XXXX XXXX, speaking with XXXX XXXX, to pay {$46.00} a month. I signed a contract and sent a VOID check to take money directly from a bank account. Every month I received an email stating that these transactions had been made and that things were going well. For four years they collected payments from me monthly. 

After receiving a call about my student loans that no payments had been made, I began to look into XXXX XXXX XXXX. I couldn't reach any of their phone numbers nor emails as they had all been disconnected. They had taken my monthly payments and no payments had been made to my {$30000.00} in student loans.

Company response to consumer: Untimely response