vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 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: TX

Complaint narrative:
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.

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 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
My insurance at the time should have covered these amounts. This was opened on XX/XX/ 2012 and the  amount allegedly owed is {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: BTH Management
State: TX

Complaint narrative:
I have requested a verification of this account several times, I don't believe they have the right person.

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 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please refer to my CFPB complaint " XXXX '' dated XX/XX/2018. 
Wells Fargo denied me the {$200.00} cash back bonus with the reason that the {$500.00} direct deposit should have happened for 3 consecutive months in the response to that complaint. 

Now please refer to the complaint ( XXXX ) of my spouse " XXXX XXXX '' to CFPB about the same Wells Fargo promotion. He also failed to have {$500.00} direct deposit for 3 consecutive months. But Wells Fargo honored the {$200.00} cash back bonus for him. Why there is a discrimination or different treatment by Wells Fargo for different customers? 

I had 3 direct deposit of {$500.00} during XXXX and XXXX and I have initiated the direct deposit again to this account now. 
Wells Fargo please honor your {$200.00} cash back bonus for me also.You have to treat all your customers equally.

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 2018-02-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the XXXX  credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.

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 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I recently called XXXX XXXX ( on XX/XX/2018 ) with a problem regarding my payments. I prefer to manually pay my monthly mortgage payment, which equates to {$2700.00}. Twice now I have had the issue where I manually pay before the due date, but then a second installment is taken out of my account through their recurring payment program. I did initially sign up for this program, but then thought I had cancelled it. The first time redundant payments were taken out for one month and my checking account went below {$0.00}, I thought the representative from Freedom on the phone had unrolled me from the recurring program after I called in to rectify the situation, so I assumed I could make the payments myself. Yet, it happened again. I called Freedom again and spoke to a particularly unhelpful representative named XXXX ( # XXXX ). She was rather impolite from the start of the call and asked me why I would make a payment when I enrolled in the recurring payment program, even after explaining the situation to her. After I told her I did not want to be charged an insufficient funds fee from XXXX, she proceeded to tell me it was my fault anyway. Frankly, I was taken aback by her unwillingness to help and unfriendly tone. Additionally, XXXX said she would email me a confirmation of her ending my recurring payment enrollment after I asked, but I have yet to receive the email. Also, she did not actually unroll me as I had to go on the website and unroll myself, meaning, XXXX had lied to me. I asked XXXX to speak to her manager, but she did not comply with my request and I was not able to speak to a manager. After my call with XXXX, I called XXXX to put a stop payment on the second mortgage charge. Luckily, XXXX was gracious enough to waive the {$30.00} stop payment fee, which they did the last time this happened. 

We have been particularly unhappy with this mortgage company, which was handed to us ( i.e., we did not have a choice in the matter ). We originally had XXXX XXXX which was great, then were automatically transferred without our consent. Overall, our experience with Freedom has been disappointing and frustrating. 

I tried filing this same complaint on Freedoms website, however, received a message stating, Were sorry, an unexpected error occurred. Please try again later. I attempted to submit the complaint twice, and had the same issue.

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 2018-02-02 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: NJ

Complaint narrative:
The following is a detailed explanation of the matter but in essence, I am requesting that all student loan payments made while in the XXXX XXXX XXXX XXXX XXXX XXXX count towards the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program I applied for -- as I was instructed it would. 

I began working for the XXXX XXXX XXXX on XX/XX/XXXX. Prior to having my student loan consolidated with XXXX XXXX, it was with XXXX and had consecutively and punctually made all monthly payments to them. 

I learned about the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program through my eomployer, with the understanding that my prior student loan payments while working for the XXXX XXXX XXXX would qualify towards the 10 year repayment program. 

On XX/XX/XXXX, I successfully faxed the PSLF form to phone number found on page 4 ( of 6 ) on the form ( please find attachment ). 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I qualified for the PSLF program ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that XXXX was servicing my student loans ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that my repayment schedule had changed. The letter was very confusing because it gave 7 possible reasons why this may have occurred versus being specific so I called XXXX XXXX ( please find attachment ).

This is when I learned that I my student loans were consolidated into a Standard loan and that my 20 prior payments since beginning employment for the XXXX XXXX XXXX was not going to be applied towards to 10 year loan forgiveness program. I asked how I was erroneously placed into a Standard loan when I had successfully applied and qualified for PSLF. The representative could not provide a reason and said I would need to complete the PSLF forms again, which is the same form I successfully submitted on XX/XX/XXXX. 

I still have not been told how or who erroneously submitted my loan into a " standard '' program versus the PSLF program, which is what I applied for. 

Thank you for your attention in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested a verification of this account several times, I don't believe they have the right person.

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 2018-02-02 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: CHECK INTO CASH INC.
State: TX

Complaint narrative:
I have requested a verification of this account several times, I don't believe they have the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: ERC
State: TX

Complaint narrative:
I have asked for validation, this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: Immediate Credit Recovery
State: FL

Complaint narrative:
After having a XXXX, XXXX  related expenses skyrocketed. I can not afford to make the payment amount that they proposed. They would not defer the loan.  If I could defer the loan, my wife is working on getting a better job and we could make payments later this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX opened XX/XX/2016 and was charged a total is $XXXX for car insurance I didn’t applied for, but I did asked for a quote. I didn’t sign any paperwork to authorize them to charge me. I’ve called them and tried to get them to remove it, and they stated it was in collections and out of their hands.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked for validation, this account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked for validation, this account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
So yesterday I had a collection account placed on my credit report. It shows no original dates only the supposed creditor. When you XXXX them XXXX XXXX, you see nothing but scam alerts. So the collection company is MIDWEST RECOVERY SYSTEMS. 
I called XXXX/MIDWEST RECOVERY SYSTEMS when you call its a prerecorded message saying it is XXXX XXXX . Then your transferred to a supposedly XXXX XXXX. He started off the conversation asking for my Social Security number, I would not provide such information over the phone, stated I would be arrested if I did not and also pay this collection account today. Also is refused to send me any documentation to verify the account. Said they could email. I plainly told him that is not an actual legal way to verify the debt. I told him this has to be a scam, he said they will dispatch a police officer to my location today if I did not pay. Very mean individual/very foul language. Said the call was being recorded. I highly doubt that because that would not be legal to say on a supposed collection call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am a cosigner for both of my son 's loans with Discover Student Loans, now being serviced by XXXX. I have repeatedly asked for a statement for income tax purposes showing how my payments were allocated ( I do not see any of this on their payment screen and can not make an option ). Representative XXXX, has emailed me numerous times over the last week or so that they do no give out that information. If I am remitting payments/monies toward scheduled payments, then I believe I am entitled to a statement and any documents necessary for a tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted Equifax Credit Bureau by mail and email about information that's reporting to my credit report as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Equifax has sent me letters via their online site stating they have verified that the item is correct but has not sent me any documents that I have a right to verify. The accounts are as follow : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have always placed a fraud alert on my account when I noticed inaccurate inquires which Equifax is aware of and due to Equifax breach which I have confirmed with their representative that I am impacted by. Due to Equifax lack of responsibility with my information has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
This issue has been unfolding over the last few weeks of XX/XX/XXXX, 2018, through early XX/XX/XXXX, 2018.

I maintain 2 checking accounts with US Bank. One is tied to my debit card and used to pay off credit cards. The other is rarely used, and thus has a low balance - under {$500.00}. I have had both of these accounts for around a decade. 

Last, I have a credit card through US Bank, for which the balance of about {$1000.00} was due in mid to late XX/XX/XXXX, 2018. 

I have purposely never had automatic payments to this credit card because I often pay it through outside checking accounts, but this time, US Bank 1 ) turned on automatic payments ; 2 ) turned on auto-payments only for the checking account with a low balance ; 3 ) did not turn it on for the checking account I generally use ; and 4 ) did not enable their system to pull funds from the larger account when the smaller account was exhausted, which it was.

I woke up to find a {$600.00} overdraft of the smaller account, and the larger account untouched, so I called US Bank and had them 1 ) reverse the payment ; 2 ) turn off automatic payments ; 3 ) enable overdraft protection such that if I attempted to overdraft the smaller account, it would pull from the larger account rather than overdraft ; and 4 ) reverse the overdraft fee.

This all seemed fixed until a few days later, when I found out that even though they reversed the overdraft fee and payment, that they forced the same payment to happen, and it overdrafted again and charged me 3 overdraft fees - the first, a {$25.00} extended overdraft fee from the first issue ; a new {$36.00} overdraft fee, and a third extended overdraft fee. 

I called them shortly after ( this is in the last days of XX/XX/XXXX ), to which they replied that they simply didn't do what we had discussed, despite agreeing to it. They did not stop that one account from automatically paying the credit card. They did not enable it to pull funds from the larger account when it was exhausted, and they continued to pile on fees. 

It would be a simple matter of phone calls except for their XXXX having made my car payment bounce. I have the funds, I guess I just don't get to control how they are used. 

I called today, XX/XX/XXXX, to which they claim to have fixed the problem. I am doubtful.

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 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANKERS MORTGAGE LENDING, INC.
State: FL

Complaint narrative:
This complaint is about Bankers Mortgage Lending Inc. who are involved in unfair lending practices. We bought a new construction home from XXXX XXXX in XX/XX/XXXX. The lender approved our mortgage based on unimproved property taxes and no CDD fee. They estimated our taxes to be XXXX and they are over XXXX. When we paid our taxes in XX/XX/XXXX our escrow account was short XXXX and our payment is set to increase by over XXXX/month. We are not alone. In speaking with numerous neighbors with XXXX XXXX financed by this lender they too were short and payments have skyrocketed. In one case he has an increase of XXXX/ month. None of us were informed by the lender or XXXX XXXX that our payments would be going up. Seeing as they are the preferred lender for XXXX XXXX they have done numerous mortgages here in XXXX county, it is implausible that they did not have a better idea as to what the tax rates should be. I believe this was done purposely in order to have buyers qualify for higher mortgages and to help sell more houses for XXXX. Numerous people are now having to refinance or sell their homes because they can't afford the payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Complaint regarding lack of notice for transfer of mortgage account I have a mortgage account with bank of America since XX/XX/XXXX. Today ( XX/XX/XXXX ), I attempted to make a payment online and I could not as the account was not available. I called the mortgaged department and, I was informed that my account was sold to another mortgage company. I asked how the decision was made without any notice and having to find out that day. I explained that to the representative that in the last month ( XX/XX/XXXX ), I called several times to discussed mortgage payment, check received, and possible refinance option and, not one time has someone even mentioned it. The representative stated that a letter was sent on the XX/XX/XXXX. I explained that I have not received any letter as of XX/XX/XXXX. I was transferred to the debt collection department and was informed the account was that the account transferred was a request from my ( investor, FHA ). The representative explained that they had 30 days to notified me but yet, the alleged unreceived letter was sent out on the XX/XX/XXXX given me 15 days of notice. I contacted the FHA resource center and, I was informed that they do not make such request for account to be transferred to other company as it is the lender 's doing ; the bank just need to notified the HUD national. I am filling this complaint because Bank of America failed to give me proper notice of their decision to transfer my account and gave me false information. Bank of America has violated my right to received proper notice before such action was completed.

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