vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is charging {$800.00} fees that I have called to get over turned they do not want. They just rip people off. My checking I had with them force my account negative to take out the mortgage payment and charge me a overdraft fee {$35.00} dollars every single month.

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 2017-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Once I was banking with Wells Fargo they intentionally over drawn my account to get there mortgage payment and charge a over draft fee. I called them to stop doing it they continue overdrawing my account every month. They said if it was not automati payment they can not accept the payment. 

It caused my other payment to come out of the account and overdraw my account and charge me a {$35.00} every single time. In one year XXXX dollars of fees.

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 2017-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of James R. Vaughan, P.C.

Complaint narrative:
The Law offices of James R. Vaughn has been harassing me over a gym membership that I signed up for in XXXX. I stopped paying for the membership as the locations in Arizona went bankrupt and out of business.. they just started coming after me a few years ago with harassing letters and calls. Showed up at my sisters house and told her I had a warrant for my arrest. I looked at my checking and savings account this morning to find that they had taken out {$3200.00} without my permission. Sending a judgment to my bank.. my bank XXXX XXXX let these funds go without doing reasearch to make sure that this company was even reputable.. I have nothing on my credit for this and no judgments on my credit either.. I did some research on this law firm and it turns out I 'm one of hundreds of people who have been victimized by them ... according to the information I obtained the Law offices of James R. Vaughn in Arizona as of XXXX XXXX is no longer able to collect debt in the state of Arizona. I would love to be able to get my money back as I do n't find it fair that they are able to collect this money after 13 years for a company that no longer exists in the state I reside. This appears to be past the statue of limitations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Receive XXXX calls a day from an unknown number. Picked up to ask for them to leave a message with a call back number. They said they would not do that. Continue to call me while at work XXXX times a day and leave no message or contact information. Once again asked for them to leave information so I can call them back when I am not at work. Once again said they would n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Loan xxxxxxxxx. I am a XXXX XXXX XXXX military veteran. 
Texas and XXXX XXXX provide a tax benefit to veterans on their home, homestead, etc. My loan was acquired by pennymac around XXXX XXXX. I have been fighting with them since then to add my exemption around XXXX. Ever since XXXX has taken the loan I have been unable to get the exemption and XXXX has now sent me a letter saying that my escrow is low and they want more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: PA

Complaint narrative:
XXXX has on my credit report date open from XXXX XXXX on XX/XX/XXXX but first reported on XX/XX/XXXX and 72 months fin but on the other loan that was transferred open XX/XX/XXXX but first reported XX/XX/XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And  how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with Trans Union there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XX/XX/XXXX delinquency 120 days but closed XX/XX/XXXX last payment made XX/XX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.

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 2017-10-29 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: PA

Complaint narrative:
XXXX has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} Equifax showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX Equifax closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and XXXX months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX XXXX months in which the loan was not finance on XXXX or XXXX months it was XXXX Months There was no XXXX written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of XXXX XXXX  showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency XXXX days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out XXXX as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.

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 2017-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
In the months of XXXX, XXXX, XXXX, and XXXX of XXXX, I asked Lexis Nexis to have the inaccurate public records data suppressed for two reasons : Firstly, because of an inaccurate public record that they have supplied to the three credit bureaus : XXXX XXXX and XXXX and secondly because of the increasing and alarming rates of identity theft and data breaches occurring. After four months, I finally received a letter from Lexis Nexis on XXXX XXXX, XXXX, which I have included for your review to Opt Out. Well, this inaccurate public information ( Bankruptcy ) is still being reported to the three credit bureaus as I have rechecked my credit reports on XXXX/XXXX/XXXX. This matter has caused me great XXXX and XXXX XXXX. I do n't know which way to turn as Lexis Nexis is violating my rights as a consumer. This company has been putting consumers through the ringer for years, and it is time that they are stopped. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: SC

Complaint narrative:
reporting a debt that may or may not be mine to the CRA 's which is past the SC statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into Capital one was recorded would like to go back and hear that conversation. 

Capital one also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX Capital One!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: CA

Complaint narrative:
XXXX XXXX in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into XXXX XXXX was recorded would like to go back and hear that conversation. 

XXXX XXXX also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX 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 2017-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have two major issues : 1. Despite numerous attempts to consolidate all my loans under one company, I have been unable to do so. 

I have {$270000.00XXXX under Navient ; and three separate loans for {$24000.00} under Nelnet and one for {$3400.00} under Debt Collection.  The reason I did not originally include these other loans under Navient initially is that I was advised by a Navient customer service representative that these loans would not qualify for an Income-Driven Payment Plan request once the consolidation was completed. I was later told by a separate customer service representative that this was not correct information. At any rate, I am unable to modify the consolidation to included these items and the separate payments I am being requested to pay is going to be very XXXX over time. 

2. Navient 's determination that I am able to make 9 payments of {$1500.00}, 124 payment of {$2700.00} and 9 payment of {$1700.00} from XXXX until XXXX is incredibly unrealistic and will lead me to bankruptcy. 

Despite numerous attempts to select a reasonable monthly payment of approximately XXXX XXXX monthly given my income and financial obligation -- the payment schedule they send me does not truly take into account my REAL discretionary income. Their definition for discretionary income is income which exceed 150 % of the poverty guidelines. In XXXX the poverty level for a family of three is {$37000.00}. If you multiply this number by 150 % they are saying that I have approximately {$58000.00} in discretionary income given that my gross salary is {$100000.00} annually or {$4800.00} per month. So totally, not the case.
My net pay per month is {$4700.00}.
My monthly expenses are approximately {$4100.0XXXX. See below : XXXX XXXX {$2400.00} XXXX XXXX {$70.00} XXXX {$280.00}  XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX {$280.00} XXXX {$160.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX 1 {$100.00} HXXXX XXXX XXXX 2 {$25.00} Total XXXX These two items are taken from my gross income XXXX XXXX XXXX$410.00} XXXX XXXX {$73000.00} Total {$5200.00} Please keep in mind that food, gas, car maintenance, etc. are not even included. 

I NEED HELP!!!!! No one at Navient is listening or seems to care. I do not want to file for XXXX but may be headed down that path if I can not get the REPAYE payment plan of {$620.00} per month which was offered when I completed the electronic Income-Driven Payment Plan request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
This XXXX debt was issue incorrectly as a results of extreme mess in the paper work in the office internal XXXX information, and added as an extra service wich one has been not provided for me because luck of XXXX. Is not true because I have XXXX PLUS XXXX + XXXX and this service never change since I 'm on XXXX. 
They overcharge me XXXX wanted to XXXX me off, but I always had insurance and I will NOT  pay this XXXX amount. 
I already also contact XXXX regarding that incident back from XXXX. I also never has been threated in XXXX - XXXX XXXX XXXX and I never go there after this incident. 
Please make investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America charged me {$60.00} in savings account fees for a year XXXX {$5.00} per month XXXX from XXXX XXXX to XXXX XXXX which brought my balance of {$100.00} to {$40.00} in the account. I have had this savings account with Bank of America for over 10 years XXXX since XXXX ) and have never been charged a fee ... they suddenly started charging this fees. 

I do not use this account and do not pay much attention to this account so I missed checking the statements. When i was recently reviewing my account I found this and called the bank on XXXX XXXX XXXX asking why they have started charging this fees in last year ... when this was not the case for the last decade. 

Their explanation was that there was some waiver on my account ( which I was not even aware of ) ... and it had fallen off in XXXX XXXX and they could not do much about the fees..and only returned {$10.00} as a courtesy. They even said I should be happy i was not charged the fees before XXXX XXXX. 

I think in this situation there was no transparency from the bank ... in terms of why there was waiver before XXXX XXXX ... XXXX they can not even explain that.. ) and why that fell off ... 

I honestly think there has to be some communication when there is a change in the fee structure to the account..and that did not happen.

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 2017-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I sent Midland a dispute letter regarding the above account that you sent me a settlement letter for. In my letter I advised you that this was a dispute notice & that I have never had an account with your company-Midland Credit Management or your XXXX Bank. I also advised you that I never applied or had a XXXX XXXX card. 

On XXXX/XXXX/XXXX, I received a response letter from XXXX XXXX, XXXX XXXX. The letter was undated & it failed to acknowledge any receipt of my dispute letter that was sent and received certified mail thru XXXX # XXXX XXXX XXXX XXXX XXXX. However, instead XXXX XXXX 's letter only stated XXXX 's new policy that was effective : XXXX XXXX, XXXX. At the bottom of XXXX XXXX 's letter, he then went on to state, This account XXXX still be reported on your credit as unpaid. I am not too sure if my simple letter was mis-comprehended, so I have re-sent a copy of it again with another dispute letter. In regards to XXXX 's statement, this can not still be reported on my credit when I have never had, opened, or obtained this account with XXXX XXXX XXXX XXXX. At any rate, even though XXXX 's response time limit expired & failed to be a DEBT validation, he should have sent me a debt validation. However, I know it is impossible Midland can furnish a DEBT VALIDATION because I have never applied for a XXXX XXXX credit card with XXXX XXXX! As a result, I am re-contacted the FTC, and I will continue to dispute this until it is handled CORRECTLY!! How is XXXX XXXX a XXXX at Midland Credit and he is not wise enough to acknowledge disputes or send debt validations in response to a dispute, sending me a general letter after I have sent XXXX a certified dispute will not be accepted. I have mailed CFPB a copy of his letter along with a copy of my original dispute letter to demonstrate his ignorance in the FDCPA & FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RAYMOND JAMES BANK
State: NV

Complaint narrative:
Credit Score Disclosure XXXX Ref. # XXXX. 
XXXX/XXXX/XXXX Prepared by Raymond James Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TID # XXXX XXXX/XXXX/XXXX XXXX Prepared by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX I/we did not apply for a mortgage nor did we ask anyone to check our credit for a mortgage.

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