vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I can not access my credit report via the Experian Dispute website nor can I get a free annual credit report. I have also tried to upload my documents in .PDF that was requested and it wo n't upload.

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 2017-10-23 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: VA

Complaint narrative:
I graduated from XXXX XXXX in XXXX of XXXX. I immediately began repaying my XXXX XXXX loans. I have XXXX loans with XXXX XXXX, XXXX of which are about XXXX a month and a third that is about XXXX a month ( with a monthly total of about XXXX XXXX. I have tried on more than one occasion to consolidate these loans in hopes of making the payment lower. I have not been successful due to the fact that I have insufficient income. ( So, I do n't have enough money to make my payment less, but I have enough money to keep paying XXXX} a month ... makes no sense ). Since my loans have been in repayment, going on almost XXXX years I have paid off less than XXXX  per loan. So years of repayment of XXXX of my salary and I have barely made a dent in any of them. In my current career I have been offered a promotion, in order to get this promotion I have to attend a graduate program. I have had to turn the promotion down because my loans are too high. I also, am unable to secure a mortgage and will be renting until these loans are paid off in XXXX years. I am disheartened by the way that XXXX XXXX treats the people who are trying to further their education. At XXXX point in my loans I relocated for my career and when I told them I would not be able to make payments while this was going on, they told me to ask my cosigner. No deferment was offered. When I first took out these loans many years ago they advertised " XXXX XXXX XXXX XXXX' but in reality the only one who is flexible is me. I am the one who has flexibly ruined my finances for life over student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Red Cedar Associates LLC
State: OH

Complaint narrative:
I recently had my information taken from a payday loan website. On XXXX/XXXX/XXXX at XXXX I recieved a phone call from an unknown number. As there was no caller ID, I allowed the call to go to voicemail. I recieved a minute-long voicemail from a woman Identifying herself as a XXXX XXXX. She said she was calling regarding some paperwork I need to sign for regarding a request placed under your name and social security number and I need to place you on my schedule regarding a claim that an office is looking to place against you. She said she placed me on her schedule for the XXXX of XXXX XXXX if I have any questions regarding the matter to call the office that had filed a complaint against me at XXXX reference number XXXX. 
Having worked in collections for nearly XXXX years I know that this is a tell tale sign of a debt collection scam or at best a scare tactic used by a collection agency which is in direct violation of the Fair Debt Collection Practices Act XXXX you arent supposed to impersonate a lawyer or process server ). 
Needless to say, I did not call back. A quick search via google for the number yieled nothing. As the woman who called didnt call from a known number or leave a company name and number for me to call back, I decided to ignore the call. 
The next day, at XXXX am I recieved another call from a blocked and unknown number. The same woman had called and left another message. She stated that as she had heard nothing different from the office who filed the complaint she would be moving forward with delivering papers that required my signature on the XXXX and that if I have any questions to call the company who filed at XXXX. 
This type or behavior was obviously supposed to be a lure, to get me to call back. 
I purposely waited until after business hours to call the number. After XXXX ring, the number was automatically forwarded to a voicemail box that stated Thank You For Calling Red Cedar Associates, our office is currently closed ... then it rambled off their hours of operation and asked me to leave a brief message. 
A quick google search of Red Cedar Associates brought me to their website and phone number. I called their number off of the website : XXXX, and it was the same exact mailbox. This company, weather they are a legit collection company or not, needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Opened an account with coinbase and bought crypto currencys, then they locked my account and I can not get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: TX

Complaint narrative:
I faxed XXXX on XXXX/XXXX/XXXX and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.

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 2017-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
My loan was purchased by Lakeview Loan Servicing LLC from XXXX mortgage. I was notified XXXX days later that my payment was late ( I had not clue my loan had been purchase ), then XXXX week after that I received notice that I did not have hazard insurance. 

Bottom line - nothing transferred between lenders as I had auto-payments established with XXXX. My insurance is current on the property XXXX XXXX XXXX. Very concerned my escrow didnt transfer or will be applied appropriately. 

Lakeview has XXXX ability for online access and their process for validating insurance is broke ( mail instructions with code do not work ).

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 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I received an offer from my Sears XXXX that would provide 10X reward points if I spent {$500.00} dollars over the two 3-month periods of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX and on gas, groceries, and dining. When I inquired about why I did not receive my 10X rewards points after the period, I was sent a letter stating that I did not spend the required {$500.00}.  I disputed this and asked to receive documentation that showed my spending matched to the merchant categories for gas, groceries, and dining that their decision was based on. All I received was copies of my monthly statements.

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 2017-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
My mortgage servicer Roundpoint Mortgage has kept me on a treadmill for close to 3 years and despite sending them hundreds upon hundreds of documents over this time has never conducted a review for homeowner assistance options. I have an FHA loan insured by the government and I know that there are programs available to help me. Despite my best efforts Roundpoint has never actually considered me for any of these programs and has now set a sale date of XXXX XXXX. This is very disappointing. I served my country proudly as a XXXX XXXX XXXX for 27 years and am a veteran of the XXXX XXXX. I then worked for XXXX for 37 years and am now retired and on a fixed income. I do n't want to lose my home and feel that Roundpoint is denying access to these programs that should be made available to me. 

I have owned my home for 15 years and refinanced through XXXX XXXX in XXXX into this FHA mortgage loan. My problems began in XXXX, when my wife XXXX XXXX after a 5 year battle with XXXX. I am retired after working 37 years at XXXX and also served in the military for 27 years. I live on my pensions and SSI and with her passing I was not only emotionally devastated but the household income was literally cut in half. To make matters worse soon after my mother and then my brother XXXX XXXX as well. I was overwhelmed financially and emotionally and ended up defaulting on the mortgage. 

Shortly after that the loan was transferred to Roundpoint. I eventually got back on my feet financially and began trying to get Roundpoint to work with me to resolve the delinquent payments. Over the course of three years I have been unable to make any progress despite sending hundreds upon hundreds of financial documents to Roundpoint for review. I have the means to afford a reasonable payment and qualify for these programs but Roundpoint has continually kicked the can down the road and set a foreclosure sale date for XXXX XXXX. I have worked with an account manager who has been helpful, but I can never seem to make it to the next step. I feel that Roundpoint is purposely obstructing this process -- my financial situation is not that complicated and I have provided them every document they requested more than once. Yet Roundpoint never moves forward -- they never offered me the option of mediation through the state of New Jersey as required by state law They never provided Occupied Conveyance paperwork for me after setting the sale date. Instead they have thumbed their nose at the rules and marched towards foreclosure.

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 2017-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Avant Credit Corporation
State: AR

Complaint narrative:
On XXXX XXXX, XXXX we decided to look into refinancing our current loan with Avant. We contacted the company via their website and phone and initiated the process to refinance. During the process a hard inquiry was performed on our credit. The terms were then supplied to us via the website. The process continues after you accept the loan amount and terms/rates. We accepted the refinance of the XXXX minus a roughly 200 $ administration fee. We were to receive roughly 2600 $ at a 35 % rate. We accepted and started using their website to finalize the information they require. Bank statements, pay stubs, personal information, etc. One of the processes is to " Link your bank account '' which allows the to pull the statements, etc directly. However due to security issues our bank would not allow the connection as it was considered insecure and potentially dangerous. We resolved this by uploading bank statements and pay stubs manually. We spoke with several people regarding the inability to link our bank account and they stated it would not affect the loan. On XXXX XXXX, XXXX we received an email to contact them in regards to further information required. We called in and they verified the information and proceeded with the processing. We logged in to check the status and our loan had been dropped by XXXX . This is after we accepted the terms of XXXX . I sent an email to question this activity and received no explanation. Instead they pushed a denial email to my account and refused the loan. After researching the company we have found numerous cases were they change your account and fixed loans without telling you. I find this a fraudulent practice and would like the hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took out a personal loan from Wells Fargo on XXXX XXXX 2012. I set up automatic payments to be deducted from my account for this simple interest loan with amortization. The total amount of the loan was {$12000.00} at a rate of 16.454 % and my loan payments were {$290.00}. The interest rate was supposedly given a discount because I was already a Wells Fargo customer and part of the arrangement was that I was required to set up automatic payments to be deducted from my bank account on a monthly basis until I completed payments on the full term of my loan. The loan length was 60 months. I started to receive phone calls this month from Wells Fargo with a very vague voice message being left just to contact Wells Fargo several times a day but I thought it might be a scam so I hesitated to answer until a few days ago. I answered because the calls are we coming quite bothersome and more frequently. The person on the line stated that I owed money on a personal line of credit. I told them I should not owe anything and that was not mine because I had a personal loan but the payments were automatically deducted from my account so there 's no way that I could have owed a balance. The gentleman stated that the last payment was not deducted because the amount deferred then the usual payment amount and that I was to have contacted the company to make arrangements for payment. So I contacted Wells Fargo and spoke to several departments finally ended up with the executive department and filed a claim stating I should know anything because they responsible for the deducting the automatic payments on a monthly basis which was part of the agreement when I sign the contract to obtain the loan. I reviewed my contract and it was not clear that I had to make a payment for my final payment and I complain to the company that I felt defrauded because now they were charging additional fees because I had supposedly been late with the payment and I explained again that the arrangements were they were to to deduct the payments for my account. I 'm not trying to get out of paying money that I owe but the seams and unfair practice to me to squeeze me for more money when they could have simply deducted the when they could have simply deducted the final payment as had been arranged but now have sent me to collections.

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 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX I paid {$190.00} to XXXX by Postal Money Order and have call them month after month to remove this from my credit report and it still shows and they keep telling me that it should not be on there. This has been going on since XX/XX/XXXX every month they tell me it 's not on there and they have requested from XXXX XXXX XXXX XXXX to remove it but nothing. 

The information show collections in XX/XX/XXXX is wrong

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander Consumer USA has recently started reporting on my credit reports that I have a past due balance of {$11000.00}, which is not true. Santander financed a vehicle for me in XXXX XXXX for around {$14000.00} plus interest. Santander repossessed the vehicle around XXXX XXXX XXXX. I contacted Santander the day the vehicle was repossessed and advised them that I needed to get my property out vehicle and also I wanted to know the past due amount and information on the repossession. The rep for Santander advised me that they had no information about my vehicle being repossessed and stated that, if the vehicle was repossess I would received a letter in the mail letting me know what I needed to do to get the vehicle back. Also the rep stated that getting my personal property back was a private matter between me and the towing company. I never received any letter or any further communication since that call in early XXXX XXXX. I found out about a month later from the repo company that vehicle was sold at auction and I was out of luck on my property. Fast forward to XXXX XXXX, I pulled my credit reports and to my surprise, Santander is on my credit report claiming I owe them {$11000.00} for a vehicle they repossess? Which they make no mention of the repossession on my credit report they simply just state the account was charged off. The original finance amount of the vehicle was approximately {$14000.00}, plus interest. I called Santander on XXXX XXXX XXXX to request information on this, to see how was it possible I would owe {$11000.00} on a vehicle that cost {$14000.00}, and was sold at auction and was advised they sold my vehicle at auction for about {$6000.00}, and the {$11000.00} is for the daily interest they are charging on the past due amount! How can I have a past due amount? Well Santander has been charging me {$420.00} a month since the repossession! First, they have no right to charge me interest or anything else after they repossess the vehicle without a court order in the state of North Carolina. Second, they never notified me after the repossession to advised me of the amount to get the vehicle back or the auction date. That is also required under North Carolina law. Third by not contacting me thru this entire process, they have denied my right under collection laws to dispute the amount they are reporting I owe to credit reporting agencies, the reporting is a form of collections which is also against North Carolina law without a deficiency judgment giving Santander the right to collect the debt they are claiming. I 'm looking for help to resolve this matter because I can not get anywhere talking with Santander directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent XXXX XXXX a certified letter, requesting validation of a debt they say I owe ( {$320.00} ). The said letter was received on the XX/XX/XXXX. In  that letter, I asked that the debt be validated within 30 days ; however, I never got a response from XXXX XXXX. As stated in such letter, if the information could n't not be validated within the 30 day time frame, it should be removed from all three bureau 's. Because they failed to respond to my request within the timeframe, that is a direct violation of my FCRA RIGHTS. I am asking for resolution by way of removing this account from all three reporting agencies. 

Thanks kindly,

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 2017-10-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2017 a complaint was filed to you regarding hardship paying mortgage due to an unexplained escrow account on the mortgage account. The owner of the property wanted the escrow account to be removed from the mortgage because the total amount due was increased from {$800.00} to {$1600.00} and it exceeds the amount he is able to pay monthly. Since then, Wells Fargo will not work with us to lower the monthly payment and we are at our wit 's end. Also, Wells Fargo has not explained how the escrow is being applied, since they have included this on the mortgage. Payments are now 4 months behind, since the owner can not afford the monthly payments.

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 2017-10-23 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: PA

Complaint narrative:
XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and Experian and XXXX have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.

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 2017-10-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and XXXX and Equifax have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.

Company response to consumer: Closed with explanation