vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in   XXXX   that was identity theft. My last conversation with   XXXX   stated she needed utility bills or other bills to prove my address at the time of the fraud. On XX/XX/XXXX  I sent  in 3 bills, 2 water an d  one car insur ance bill. I received proof that it was received. I waited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
On   XXXX   2016 loancare raised my mortgage to {$2100.00} and I thought we fixed the mortgage amount to {$1700.00}. Loancare said that will be your payment for the next two years until the escrow balance has been resolved. My taxes are {$6900.00} I received a tax  XXXX  credit for {$250.00}, now my taxes are approximately {$6700.00} a year. Loancare has raised my payment every six months. I am also eligible for the tax freeze and a credit will be put in my account. My loancare account  XXXX . Loancare has threatened me with foreclosure and has ruined my credit. They are very nasty and hard to deal with. I want my mortgage payment to remain as {$1700.00}.

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 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
I was scheduled to close on Thursday,  XX/XX/XXXX . On Monday,  XX/XX/XXXX  Keybank got word that I had opened up a new line of credit. I was told ( I believe by the next day ) to simply close this account and to provide the letter stating that I had done so. Of course it typically takes a few days to receive this documentation so a new extension was created through  XX/XX/XXXX  or before and my file was being sent back to clearing conditions. On XX/XX/XXXX  my agent got word back that Keybank was trying to deny my loan because there was some paper work that was missing which I do n't understand because we had literally just had a date, time and place scheduled for closing. She was told that something had went wrong with the loan number in the system and that Keybank would possibly have to begin a whole new application and go through the underwriting process all over again. The issue is that because of several extensions prior to this, the seller which is a bank is not willing to extend our deal past  XX/XX/XXXX . I feel like no one is giving me or my agent clear answers as to what is going on and I feel like there is foul play going on. It sounds like I 'm suffering because of the bank 's " error '' and that is totally unfair. I run a business out of my home and you have no idea how this has impacted me. Not to mention I put up {$2100.00} earnest money that I can not just afford to throw away. No one is calling back explaining whether or not we can meet this deadline or what happened exactly and it is very frustrating.The entire process has not been pleasant. If it is an error on Keybank 's part I feel like they need to provide a letter or something that persuades the seller to allow them the time to correct their mistake. I 've done my part as a buyer and should n't have to suffer for it. There is no reason why I should n't be able to move into this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with   XXXX   and Equifax. Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: WA

Complaint narrative:
Went to NelNet website.
Logged in.
Made specific payment to   XXXX   XXXX  .
Put {$1000.00} on   XXXX   XXXX   My {$1000.00} went to ALL   XXXX   loans   XXXX   XXXX  .
Called, dialed 0 to bypass robot answering, got   XXXX    woman.
 XXXX  woman denied fixing the problem. Denied it went to all loans. Denied me talking to higher up personnel. Assured me I could fix problem myself. Assured me I made the mistake. Told me to have a nice day. Phone conversation ended.
<P/>
Why ca n't I pay on specific groups as I have selected?!
I want this issue fixed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have now contacted capital one 4x to close my company 's credit card account. I contacted them in  XX/XX/XXXX  after our balance was paid in full. I contacted them again in  XX/XX/XXXX  and  XX/XX/XXXX  after the account was still showing open. They are now charging us yearly membership fees, interest and late fees and refuse to close our account.
<P/>
This card has NOT been used since  XX/XX/XXXX , balance was paid in full and we asked account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed for bankruptcy from   XXXX   to  XXXX . The credit card Amazon through Synchrony bank was placed in the chapter  XXXX  bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss   XXXX   XXXX   and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
<P/>
I contacted Synchrony bank several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Since  XX/XX/XXXX  I have been trying to fix this approval letter I need   XXXX   XXXX   to be REMOVED and KEEP   XXXX   XXXX   XXXX    AND   XXXX   XXXX   XXXX   XXXX   XXXX  . I have been requesting this several times and everytime I call they say it is ready and I get the old letter. Please have a supervisor look at this. The buyer is refuse with me and the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I opened an Everyday Checking Account with Wells Fargo on   XXXX     XXXX , 2017 ( with an opening deposit of {$50.00} ). I did so with the promise that were I to meet certain conditions I would receive a bonus of {$250.00} ( see attached documents ). The conditions were that I direct-deposit more than {$500.00} into the account and that I make more than 10 purchases with my WF debit card -- -both actions to be taken within 60 days of account opening. As can be seen from the attached statements, I indeed fulfilled the requirements within 60 days of my application. Given my performance of the terms of the agreement under which I opened the account, I should have received a bonus of {$250.00} well before the date of this complaint (  XXXX - XXXX -2017 ). Lamentably, I have thus far received no bonus.

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 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I initiated the bank to bank transfer with Wells Fargo to transfer {$1800.00} from   XXXX   XXXX   XXXX   XXXX   to Wells Fargo on   XXXX    XXXX , 2017. On the morning (   XXXX   XXXX   ) of  XXXX   XXXX , 2017 I called to cancel the web transfer, and was told by a Wells Fargo customer representative told that the transaction would be cancelled. Later that day, I check my   XXXX   XXXX   account and the funds has been withdrawn. I then called   XXXX   XXXX  , and was told to they would start an investigation. In the meantime, the funds were not appearing in my Wells Fargo account or back in my   XXXX   XXXX   account. On  XXXX   XXXX , 2017 I received a fax confirming that funds were transferred to Wells Fargo. I then called Wells Fargo because the funds were still not showing in my account, and had to start another investigation. I was told it would take up to 10 days to research my claim. That amount of time is unacceptable, as I do not understand why they are unable to find my funds relating to this transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Bay view loans continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to   XXXX   XXXX  .   XXXX   already shows the corrected information that matches the legal document, yet   XXXX   XXXX   is still receiving incorrect information. All documents have been filled with the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: CITIBANK, N.A.
State: NM

Complaint narrative:
I had a loan with CitiFinancial. The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to   XXXX   2009.
<P/><P/>
The partial account number is  XXXX . The address identification number is  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI

Complaint narrative:
I Leased an   XXXX   XXXX   in   XXXX   and as per  XXXX  tax laws paid the tax upfront for the full term of the lease at the beginning of the lease at the  XXXX  tax rate. Move forward 2.3 years. I moved to   XXXX   XXXX    and informed Infiniti Finance of my move and new address. Within days my monthly payment went up by nearly {$30.00}. When i called them, they said it was sales tax for   XXXX   XXXX   which had to be paid in accordance with   XXXX   XXXX   taxation law for the remainder of the lease, i informed them that i had paid the tax upfront in  XXXX  at the beginning of the lease so why am i paying it again? They were very aggressive in outlining that i HAD to pay more tax in   XXXX   XXXX  . I then went to the   XXXX   XXXX     XXXX   to register the car and met a   XXXX    tax assessor as part of the   XXXX   XXXX   process of registration, i gave him all my details outlining the car was a lease taken out in  XXXX , he then gave me a tax-exempt certificate stating i had already paid tax on the vehicle in full in   XXXX   and that no tax was due in   XXXX   XXXX  . I then called Infiniti Finance and explained what the tax assessor in   XXXX   XXXX   had said but i dont think the lady believed me and again gave me the same response that i HAD to pay the tax in accordance with   XXXX   XXXX   tax law and that the   XXXX   XXXX   tax assessor at the  XXXX  did not know what he is talking about. I then sent a scanned copy of the tax-exempt certificate to Infiniti Finance. No one called me or emailed me. I then noticed when I logged into my account that my payment had been adjusted back to where it was before I moved to   XXXX   XXXX  . When I called Infiniti they said that I did not have to pay tax in   XXXX   XXXX   because it was paid in  XXXX  and that I was exempt as I had said. Infiniti Financial are a huge finance company, my worry is that they do not understand the tax laws between different states in the USA. They charge not knowing the requirements and the consumer unknowingly is paying a tax to Infiniti Finance twice that is not required and I also suspect that they will never see those tax dollars again. I certainly doubt that Infiniti will refund the money at their own will.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed for bankruptcy from  XXXX  to  XXXX . The credit card   XXXX    through   XXXX   XXXX   was placed in the chapter   XXXX   bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss  XX/XX/XXXX  and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
<P/>
I contacted   XXXX   XXXX   several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am refinancing my mortgage with Residential Home Funding ( RHF ) and wanted to complete the process as a  XXXX . The existing mortgage company is Ocwen, and assumed servicing the loan when GMAC went out of business. I was told that their process would cost me {$600.00}. and would take 6-8 weeks to complete. I started the process on  XXXX    XXXX   and the title company for RHF handled the initiating process. I reached out to their lead person for the process (   XXXX   XXXX   ). After waiting for 8 weeks, Ocwen informed RHF that they did not have the orignial note. RHF ask for a Lost Note Affidavit in lieu of the note so that the closing could proceed, and Ocwen refused. I have written to  XXXX  and just left another message for her today (  XXXX / XXXX /2017 ) pleading that they provide the affidavit since the original note is lost as she has indicated in her email to me. My ask is that they provide the document before I lose my interest rate lock and are penalized and I have already paid their fee of $  XXXX .to engage the process. As a consumer, I feel that I am caught in the middle of a bureaucratic nightmare that is truly one company 's policy, that at the very least should have been stated up front before they took my money and down this 8 week path to no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: PA

Complaint narrative:
XXXX   XXXX   XXXX    continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to   XXXX   XXXX  .  XXXX  already shows the corrected information that matches the legal document, yet trans union is still receiving incorrect information. All documents have been filled with the court system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: AR

Complaint narrative:
On  XX/XX/XXXX  I began the repayment of my FFEL Stafford Subsidized Loan 's plus another FFEL Unsubsidized Loan. The repayment plan I selected was a Graduated Plan and at the time the loan was serviced by   XXXX   XXXX  . I was set up on auto-draft from my checking account to repay the {$15000.00} back with a term of 10 years. My payment began at  XXXX . The loan servicer 's name changed once or twice before 'landing ' as Navient. Now in order for my loan to work Navient should have increased my payment approximately every 24 months in order to meet the terms of the loan. From   XX/XX/XXXX   to  XX/XX/XXXX  I never missed a payment. In   XX/XX/XXXX  of l ast year I was contacted by Navient stating they did an audit of loans and discovered that in order to meet my loan repayment terms my monthly payment would need to increase to {$530.00} from the  XXXX  This was quite startling to me as you can imagine. I have many student loans and those from my  XXXX  education that are serviced by   XXXX   XXXX   XXXX   XXXX   XXXX   have only ever steadily increase every couple of years. I called Navient and asked why my payment was increased years earlier as the graduated repayment plan was designed to do and they admitted to a " system error ''. I must admit that I depend on the Loan Servicer to be the most knowledgeable about the loan terms and to ensure that what I signed up for is administered correctly. I tried to appeal this problem during   XX/XX/XXXX  &  XX/XX/XXXX   and was only offered the option to refinance my loan with new terms. My loan that I had just discovered was almost exactly the same amount after paying on it for 7 years as it was the day I began repayment through no fault really of my own. Truly I did not recall that this type of loan was only a 10 year repayment plan. I can find no paperwork outlining that. So that I would n't end up as 'defaulting ' on this loan I did end up refinancing it but instead of staying with Navient I had it transferred to   XXXX   XXXX   XXXX   XXXX   XXXX   in   XX/XX/XXXX      where I now pay approximately {$150.00} per month. However Navient collected $ 6000+ in payments from me with nearly all of it being applied to the interest only. Had my payments gradually increased as they should have I would most assuredly paid less in interest overall. Not to mention have the loan paid off as well. I never received any call, email, or snail mail that I can recall stating my payment needed to increase to avoid this financial waste and frustration. So even though they acknowledge it was a " system error '' they refuse to adjust the balance due on my loan to offset the miscalculated interest they collected. I filed a complaint with the AR State Attorney office and in their reply they additionally stated that since they are no longer the Loan Servicer that this is no longer their concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My file number is  XXXX . I have requested numerous times from Transunion to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to   XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.

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