vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE ARE  XXXX  ACCOUNTS  FROM THE SAME FINANCIAL INSTITUTE THAT ARE 10 AND 11 YEARS OLD THEY NEED TO BE REMOVERED NOT JUST SAY CLOSED THERE IS STILL DERAGATO RY REMARKS ON THERE INFORMATION ABOUT 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 2017-06-07 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: FL

Complaint narrative:
Over the course of the la st three months, I have made additional monthly payments to my student loan online in order to pay down specific loans ( ones with the lowest balance, but highest interest rate ) that I am targeting, but the additional payments are not being applied correctly and end up paying off more interest than the principal balance. I have made over 10 calls and th eir representatives can not give me a straight answer on why this keeps occurring. They respond that they will submit a request to find out why this is occurring. After several months of my student loan payment allocation decreasing the amount I pay towards the monthly interest,  XXXX  saw an increase of {$300.00} towards interest payments. I want to understand how this is possible being that I also make additional payments to decrease the overall balance of the loan thereby reducing the monthly interest that is accrued. Something is definitely incorrect about how my payments are being allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
O n   XXXX   XXXX  , 2017 , a s usual, I paid off  my one-year-old    XXXX   XXXX   XXXX   Account, ( owned by Comenity Bank in  XXXX , Ohi o ) in  the amount of {$63.00}. The payment was sent through the company 's Website late in the evening on  XXXX   XXXX , the due date. I believed everything was paid off and had no balance. On the next month 's statement, however, the bank added a {$27.00} late charge. I have never paid the account late. I inquired about the reason for the late charge and I was told that the payment I made did not reach the bank by the required payment hour of  XXXX   XXXX  on the due date. I was appalled by this and went through a string of " supervisors '' to demand they retract the late charge. When it was refused, I demanded they close my account and I also told them I would not pay this charge.   I have made no additional purchases on this account. In my mind, the account is closed. However, the bank now adds another late charge EACH MONTH, and now is increasing the late charge to this CLOSED ACCOUNT. I am  XXXX   XXXX   XXXX  and live on Social Security. I ca n not imagine the audacity of this so-called bank to make this unjust charge. Please send them a messag e that this can not be justified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: WA

Complaint narrative:
My compla int is about Ditech Mortgage company,. It has been a nightmare trying to communicate with this company. My husband and I are tired of Ditech rep orting us late to the credit bureau agencies.  <P/> This has been occurring for years and the most recent was  XXXX   2017 . We schedule payments online so we will not be late. Years ago, I will mail a check on the  XXXX  of the month and they would say that they did not receive it until the  XXXX . Which would make us late.  <P/> We decided to make payments online because of this reason, and we are still being reported late.  <P/> I called the customer service and the agent told me that the system does not recognize when you make a payment early. We started making payments between  XXXX .  <P/> 
Ditech has so  me shady practices and they need to be investigated seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
XXXX  I  have sent the same below to  XXXX   ,   XXXX  via their RESPA address provided online ( attached ). *** I am in receipt of the attached letter stating that my recent payment was returned to you unpaid and a {$25.00} fee was assessed. I would like to know what recent payment you are specifically referring to as the attached pay history reflects my {$1000.00} payment applied on  XXXX / XXXX /   2017  and deducted from my bank account on  XXXX / XXXX /  2017  .  XXXX  erroneously applied a payment on  XXXX / XXXX /   2017  in the amount of {$1000.00} and then reversed the payment. I need this explained as I did not authorize a payment in the amount of {$1000.00} and should not be penalized with the fees of this action.   I called  XXXX , my banking institution, and they have no record of  XXXX  attempting to pull the {$1000.00} out on  XXXX / XXXX /   2017  so why is this being described as a Bank Return? I have spoken to the following representatives at  XXXX  :  XXXX  ID #  XXXX ,  XXXX  ID #  XXXX  and  XXXX  ID #  XXXX  and received a DIFFERENT story each time of whats going on- which paints a pretty clear picture.   On the bottom of the letter, there is a fee total of {$50.00}. Please explain this amount.   Please explain why my  XXXX / XXXX /   2017  statement reflects a {$0.00} fee balance and my  XXXX / XXXX /   2017 statement now reflects a {$70.00} fee balance. The Real Estate Settlement Procedures Act ( RESPA )  1026.41  ( d ) (  1 )  states all fees are to be noted on my statement. The {$70.00} fee on my  XXXX / XXXX /   2017  statement does not add up to the fees provided on the pay history sent to me by  XXXX  ID #  XXXX   (  attached ). Why are the statutory exp. corporate advances assessed on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  (  XXXX  FEES ASSESSED SAME DAY ),  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  not reflected on my billing statement? Please provide a complete breakdown of EACH of those fees.     Sincerely,  XXXX   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 2017-06-07 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: FL

Complaint narrative:
Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,   XXXX  . I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   report

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 2017-06-07 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: FL

Complaint narrative:
Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX, 2017. I never authorized a credit check for anybody in the past 2 years. it is showing up on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: FL

Complaint narrative:
Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,  2017 . I never authorized a credit check for anybody in the past   XXXX   years. it is showing up on my  XXXX  report

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 2017-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal credit union, refuses to release my fund 's. She called me out of my name. Very rude to me. I just want ti close my account and be done. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Medical Management, Inc.
State: DE

Complaint narrative:
I had an   XXXX   proc edure on  XX/XX/16  a t  XXXX   XXXX   XXXX . Billing to my insurance company and I received several statements with different balances. The initial billing seemed very high for the procedure that was performed so I waited some time to ensure that the insurance coverage had a chance to be paid in full. By early  XXXX , there was no additional payments or activity so I contacted  XXXX   XXXX  hospital billing department directly to work out a payment plan on the over {$600.00} remaining balance as I did not have the money to pay in full. A representative in the billing department suggested that I contact the  XXXX   XXXX , in the financial assistance department to apply for assistance and/or set up a payment plan for the balance. I was not able to reach her and left a voicemail but did not hear back and called again  XXXX  weeks later and left another voicemail but never received a return call. So, on  XXXX   XXXX , I contacted the billing department again and spoke with  XXXX  who set up a payment plan for me and took my first payment over the phone. However, the following day,  XXXX  from billing called me to inform me that my account would go into collection anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Collection Bureau of America 1 )  continues to attempt to collect debt that was paid in full to the original creditor, and 2 ) refuses to expunge negative mark on my credit record.     Original debt was in amount of {$550.00} for ambulance services, and was paid in full to the City of  XXXX   XXXX  ( honored cheque attached. ) I spoke with  XXXX  @  Collection Bureau of America  on  XXXX     XXXX    2017   , provided the evidence of payment, and no action has been taken on their part since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I HAVE BEEN PRE-APPROVED WITH CAPITAL ONE FINANCE ON XX/XX/XXXX ME AND MYHUSBAND COMPLETED THE PAPERWORK WITH XXXX XXXX XXXX IN XXXX GEORGIA. <P/>WE SUBMITTED ALL PAPERWORK TO XXXX XXXX XXXX WHO IN EXCHANGE SENT THE PAPERWORK TO CAPITAL ONE. <P/>I HAD TO SPEAK TO CAPITAL ONE FINANCE ON SEVERAL OCCASSIONS ABOUT ACCURACY OF INFO PROVIDED VIA THE CAR SALES PERSON XXXX XXXX. <P/>I HAD FOUND WITH OUR PROVIDED PRE-APPROVAL INFO THE ACCURACY NEVER MATCH UP WITH WHOM THE DEALER WAS SPEAKING TO AT CAPITAL ONE FINANCE. <P/>PER THE FINANCE MANAGER XXXX AT XXXX XXXX XXXX, PER MY PHONE INTERVIEW ON XX/XX/XXXX WITH CAPITAL ONE REP MY CAR HAS TO BE RETURN TO THE DEALER BECUASE OF ADDRESS. <P/>PER CAPITAL ONE SUPPORT THEY STATED THAT THE PRIMARY ADDRESS WAS LISTED AS XXXX XXXX XXXX, XXXX GA XXXX, AND STILL AS OF TODAY IT IS STILL MY PRIMARY ADDRESS. <P/>AS I STATED ON THE ONE CALL AND VERIFYING THE CONFUSION OF ADDRESS IN WHICH THE REP HAD INIDCATED I LIVED INTEXAS. <P/>I TOLD HIM AND STILL TODAY OF AS OF XX/XX/XXXX I WORK AS A XXXX AND I TRAVEL FOR WORK FOR SHORT TERM STAY. I PROVIDED THEM THE ADDRESS IN WHICH I WAS NOW HAVING THE CAR AT AS OF THE DATE WHENALL THE PAPERWORK WAS SUBMITTED, MY JOB ASSIGNMENT WAS CHANGED. <P/>I NEVER KNEW YOU CAN BE DENIED OF THIS LOAN, I HAVE HAD HTE CAR SINCEXX/XX/XXXX WHEN I WAS IN GEORGIA AND STILL TODAY. <P/>CAN CAPITAL ONE DENY A LOAN TO SOMEONE BECUASE THERE ADDRESS OF CHANGE AFTER THE SUBMISSION OF PAPERWORK. <P/>MY ADDRESS IS SHORT TERM. I AM NOT A RESIDENT OF TEXAS, I AM RESIDENT OF THE STATE OF GEORGIA, I AM WORKING AND I REINTERATE THIS OVER AND OVER, AS I FEEL THERE IS NO INFO PROVIDED BY THE DEALER NOR THE FINANCE COMPANY THAT STATES DIFFERENT. <P/>ALSO I HAVE NEVER BEEN OR DONE AN INTERVIEW FOR A CAR VEHICLE EVER AFTER ALL PAPERWORK HAS BEEN COMPLETED. <P/>PLEASE ADVISE. <P/>AS I HAVE PROVIDED A DOWNPAYMENT I HAVE INSURED AND PAID ON THIS VEHICLE AND ALSO HAVE DROVE OVER 15 HRS TO WORK SAFELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has been continuously calling me on my cell phone regarding my loans using a robotic voicemail. I have received an extreme amount of calls. I am having difficulty repaying my loans, and tried to solve this with the company, but was denied. They even call from different numbers, coming up as different states. These calls come in after business hours as well, and do include Saturdays.   XXXX  Just to list a few of the calls and times -  XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX   XXXX  @  XXXX   XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX ,  XXXX , and  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying.
<P/>
Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized?
<P/>
I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans.
<P/>
Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint agai nst US Bank Corporation. I h ad an account with this bank. I was never contacted that there was an issue with the account. The bank reported me to chexsytems before contacting me and allowing me to resolve the problem.

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 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
In  XXXX     2012  I was involved in a car accident.  XXXX   (   XXXX   XXXX   XXXX   ) a dvised that they offered a free consultation to accident victims. I went by the office and spoke with the receptionist but never returned to have treatment started. After several years, I noticed a charge of {$320.00} on my credit report from  Collection Services of Athens. I co ntacted the company several times and told them I never received services and asked for a breakdown of the services I allegedly received and they have never produced that information.  <P/> The  XXXX  center is no longer open and I am unable to get any assistance. I should not be charged for services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: DE

Complaint narrative:
Account XXXX AES American Education Services I  called when I first starting getting bills from this Company that stopped billing over 5 years ago ; due to my co-signer being in bankruptcy. This caused them to capitalize over {$4000.00} in interest without ever reaching out to me to make payments on this student loan. At this point in time I just had a baby in XXXX 2016 and I have a medical bill and I asked that the {$210.00} payment be modified to half of the {$210.00}. They made me fill out paperwork and it took over 2 months to complete as they do not respond to questions - I sent paperwork via email and via ax and still took over 10 days to process. I think they have customer service issues due to these delays and then they denied request - due to insufficient income ( really ) I told them I needed a modification and I disagreed with the capitalizing of interest with no attempt to contact ME while co-signer was in bankruptcy. I would like the interest that was capitalized reversed and I would like a payment modification for at least the next 12-24 months ; in addition speak to the modification people to understand how this works and why they have such limited abilities to accommodate struggling times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have old Debts that I personally dispute and do NOT remember as well as the fact all three of these debts listed on my Credit Report are beyond the 4 years " Statute of Limitations '' in the State of Texas. I have attempted several times over the past year to Dispute these Debts claimed as accounts with the XXXX XXXX XXXX right here in XXXX Texas. However, I feel they must be violating my rights by not taking action to follow thru with my Dispute and the three items {$510.00}, {$500.00} ( Strangely Alike amounts from same Original Company as if charged twice ) and {$71.00}. I 'm making this official complaint against the XXXX XXXX XXXX and would like to resolve the issue about these three Old Debts and have the information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Purchased home that was forclosed twice directly from  Ditech  in  XXXX  I  was told all  XXXX  and  XXXX  taxes and home owners fees would be paid by them since i wasnt living there when the fees occured. And I would only be liable for  XXXX  Hoa and taxes. I recieved a letter from  the Home owners Association i n  XXXX  stating the  XXXX  was n't paid and a lien could be put on my home.I contacted ditech and ask why they didnt pay the  XXXX   Hoa  fees and did the  XXXX  taxes come out my escrow. Causing additional shortages in my escrow account in my previous complaint. Its been  two  months still no answers.My payment went up {$300.00} from escrow errors .This company constantly makes mistakes and hold the consumer responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation