vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navien  t 1 ) The principal amount is wrong.
2 ) The interest calculated is wrong.
3 ) The company refuses to provide a detailed explanation of the amount.
4 ) The company charged interest and penalties while I was enrolled in school full time.
5 ) The company reported the student to the credit bureaus as a personal loan.
6 ) The company refuses to provide an address to a written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
AMCOL just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XXXX XXXX, 2017, I took an XXXX XXXX flight from XXXX, XXXX to XXXX, PA ( flight XXXX ). XXXX charged me {$100.00} for checking a bag on this flight. I paid this fee by using my XXXX XXXX XXXX XXXX credit card, which is issued through Barclays Bank Delaware. XXXX lost my bag and it was finally returned four days after the flight landed in XXXX. I spoke with XXXX on each day to determine the progress in the search, and each time I was told that XXXX would issue a refund for the baggage charge. I was also instructed to contact the refund site for XXXX and explain the circumstances and request a refund. I did this on XXXX XXXX, 2017. I  did not hear any response from XXXX regarding my refund request so I contacted the XXXX/Barclays credit card issue to contest the charge. The credit card company told me that I had to deal with the XXXX XXXX company for the refund, and she tied an XXXX XXXX representative into the call. XXXX XXXX told me to submit another refund request. I told the credit card representative that I wanted to contest this transaction. The credit card representative refused to record a challenge to the transaction and again told me that I had to deal with the airline. The credit card representative told me that she could not record a challenge to the charge because the airlines had not guaranteed to deliver my bag as of any particular date ; I responded that it was implicit that it would not take four days to deliver the bag. I have spent hours on this dispute -- going back and forth between the credit card company and the airline. It is my understanding that I have the right to challenge a credit card charge and that XXXX/Barclays should have cooperated even though the dispute is with its affiliate, 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 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank closed  XXXX  of my accounts without notice and then would not let me pay them off for over  TWO YE ARS! They continued to show me Charged OFF and hurt my credit score for THREE Y EARS NOW! Accounts ending #  XXXX  for {$260.00} and #  XXXX  for  XXXX .     I had to hire an attorney to get  Wells Fargo to accept payment and they would not accept payment! I tried going into the bank and asked the managers to accept cash and they would not. I sen t two checks in a  letter I sent to Wells Fargo Headquarters in   XXXX   XXXX , certified mail return receipt ( attached ), attention the VP of Consumer Credit and they did not cash my checks and did not even respond to my certified letter! I have written letters and rec 'd   one form letter back which was a joke since they would n't accept payment.
I read an article about how Wells Fargo created all those FRAUD loan accounts and saw a special line to call if I had problems with Wells Fargo and called. That person DID accept payment and these   XXXX     accounts are now paid in full  XXXX      2016 ( attached ).
All the time however, Wells Fargo continued t  o report me as a charged off account hurting my credit scores after I walked in and tried to pay these accounts off in cash!!

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 2017-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bayview Solutions LLC
State: CO

Complaint narrative:
A debt collector named  XXXX   XXXX   XXXX . held a credit debt under my name. I made several payments to the debt collector and made a final settlement arrangement of {$1200.00} to close to the debt. That payment was made to  XXXX   XXXX  on  XXXX .     My wife and I were contacted by a law firm called  (   XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX , on  XXXX , stating they had a property complaint regarding our address and we needed to be available to receive property complaint papers between the hours of  XXXX . I called the number at my earliest convenience to learn  XXXX   XXXX   XXXX  on behalf of Bayview Solutions LLC were trying to collect on a credit debt matching the one paid over fours years prior. Stated they would cancel summons paperwork if I paid the amount of {$2100.00}. I reluctantly paid the amount to avoid legal action or property disputes, but stated I had previously paid his debt.  XXXX   XXXX   XXXX  as well as  Bayview Solutions  stated I would be provided with a summary of charges after payment. The only statement I 've yet to receive does not show a summary.     I personally tried to trace back through several debt collection agencies where this bill might have gone wrong. The  two com panies involved seem to be interested in helping to resolve the issue but are never motivated by time and always have another request after  one is met. The Debt in question was received by Bayview Solutions  by  XXXX   XXXX   XXXX  on  XXXX  of   XXXX   with a balance of {$1500.00}. I 've been told by  Bayview Solutions th at they could refund my payment of {$2100.00}, however, would not close the debt in question.     I would like to know why I never received a notification of debt fro m Bayview Solution LLC, and  never heard of debt in question until be contacted on  XXXX   XXXX    XXXX  ? I would like to now why they are collecting on a debt that has already been settled upon. I would also like to know why I had to pay more than my original debt in it 's entirety, {$520.00} more than the amount passed to Bayview in  XXXX  of   XXXX  , and why I ca n't seem to get a document stating the breakdown of payment?     I will attach all records I have of all known payments regarding this account, and a copy of debt settlement and closure by  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IQOR US INC
State: LA

Complaint narrative:
Dear : Consumer Financial Protection Bureau I am writing this complaint because this number has been constantly calling my home number and I have told these people they have the wrong number for the person they are calling about. Sometimes, they use a private number and when I try to call them with the number shown on my caller ID there is no answer. Please, contact these people about calling me for a matter that does n't concern me. This is a form of harassment and an invasion of my privacy rights. I have told this company that I am on t he Do Not Call Registry. Some one, said they are sending documents to my address and I do n't have a clue what they are talking about. I think this is a Scam!!!   THIS IS THE NUMBER THAT HAS BEEN CALLING MY HOME NUMBER :  XXXX   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 non-monetary relief
Consumer complaint received 2017-05-26 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: IL

Complaint narrative:
I have a previously paid in full student loan for my  XXXX .     Loans for my  XXXX   XXXX  were arranged by university of  XXXX  and managed by   Navient.
Navient   : difficulty with payment application to multiple accounts.     Was directed to forbearance and returned forms to  Navient  - they did n't apply forbearance and hurt my credit.     Attempted to lower payments and was n't allowed.     Account turned to  XXXX  :  XXXX  applied high pressure tactics including calls to relatives and friends after I requested forms for payment arrangements.      XXXX  did n't send payment agreement documents as agreed. Tried to pressure me to pay them without signed agreement in writing.

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 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ASTORIA BANK
State: IL

Complaint narrative:
We have been processing a short sale wit h Astoria  and their servicer  XXXX  since  XXXX  of  XXXX . I will spare you all the details of how they lost our documents several times and re-requested items they already had. This is why it has taken a year to process the short sale. The most egregious issue is on  XXXX   XXXX ,  XXXX , a counter offer was issued and the buyers accepted the counter offer. All of the requested documentation was submitted to Astoria on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX ,  XXXX  indicated they will issue a decision by  XXXX   XXXX ,  XXXX . I contacted them several times to follow-up and finally on  XXXX   XXXX ,  XXXX , the day after the Federal taxes are due they requested a copy of them to continue the review. It should have been out of review by  XXXX   XXXX , according to their timeline. We provided the taxes on  XXXX   XXXX . They indicated this file was not sent to the committee for final decision until  XXXX   XXXX ,  XXXX  and they will take 30 days to review the offer. It 's ludicrous to require another review, since this is the counter offer THEY issued us, and we agreed to it. What is their to review? Today, I received a call from the second lender indicating if  Astoria  does n't approve it by  XXXX   XXXX , the 30 days they set out as their review period, they will rescind their short sale approval and we will have to start over with the entire negotiations. It is completely unconscionable to request a counter offer and when it 's agreed to, indicate you will take 30 days to re-review it. Why would the counter offer be made if it was not approved by Astoria already? It 's not negotiating in good faith or a good way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMPUTER SCIENCES CORPORATION
State: TX

Complaint narrative:
CSC Logic Inc,   XXXX   XXXX   XXXX   XXXX  TX  XXXX  received a lump sum payment of to the account for a   XXXX    XXXX   XXXX   XXXX , The company states I was sent to collections because I did not pay for 27 days. As a customer,  CSC lo gic failed to disclosed that I was late on payment. As a customer I thought the lump sum payment would cover my payment for the month of  XXXX . The lump sum was paid on  XXXX   XXXX  and the last day to pay for the month was  XXXX   XXXX . I called on  XXXX   XXXX  and the company advises me that I am 37 days late for payment, when I did not receive any collections calls for payment of this bill. Or any follow up mail stating that my account was going to be sent to collections. It is outraging that a company can hurt your credit sending you to collections because you are late on a payment, when in fact they did receive payment, in fact, the loan was almost paid in full.

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 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
Source  Receivables just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.

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 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
I do not understand where this inquiry came from in my report. I do not know what company is microbilt corparation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I received notification about disputing this debt AFTER they had already placed it as a collection on my report. I was NEVER given time to send in my written dispute regarding this invalid debt. It was with another agency and the information could NOT be verified therefore it was removed from my reports. This company has FAILED to verify that I owe such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equfax ' s employment verification service at  XXXX  claims they protect my private information, but uses my social security number as identification for a verifier to verify my employment. Not only is this not protecting my private information, but it is an invasion of my privacy and exposes me to fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I initiated a cash-out-refi on a  Wells Fargo owned condo mortgage. My personal creditworthiness is outstanding. Employment, ann ual income, on time mortgage payments and  XXXX   credit score are  all verified. The condominium is my primary residence and only propert y. Wells Fargo bought  my mortgage in   XXXX   as the original mortgage broker was too small to service the loan.  XXXX   XXXX  is the date I started sending documents  to Wells Fargo. As of  today,  XXXX   XXXX , I received an e-mail from  XXXX   XXXX  informing me tha t Wells Fargo un derwriters could not approve the refinance because the  " Fidelity Bond Insurance '' policy wa s not in the name of  XXXX   XXXX , but rather in the name of  XXXX   XXXX   ( th e company that provides  HOA servic  XXXX  to  XXXX   XXXX   ).   XXXX   XXXX  has NO Employees and therefore needs no fidelity bond insurance.  XXXX   XXXX  IS covered.  XXXX   XXXX  an d Wells Fargo  have been negligent in their duties to properly handle this refi attempt. I should not have had to wait 38 days to find out they ca n't refinance THEIR OWN MORTGAGE because of some semantics issue o ver fidelity bond insurance.

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 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Federal tax lien withdrawn. Documentation enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: AFNI INC.
State: FL

Complaint narrative:
Problem is that, I 'm trying to get a loan with my bank. But cause there was a bad comment, though the account is close, with AFNI. ( a debt collector fo r  XXXX   XXXX  ) I 've been declined. I try calling  XXXX  to resloved, they claim my account is no longer in the system. I try with AFNI but they cut me o ff n sa y they done everything in their book to clear it, despite that I was willing to help Fix 's this matter. I even try to dispute. But  AFNI w as able to alter my dispute on removing the comment place in my credit report. I want the whole account deleted and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: CA

Complaint narrative:
XXXX which has recently " verified '', EXPERIAN & XXXX are all reporting a collection account, XXXX XXXX XXXX XXXX, AKA XXXX XXXX XXXX XXXX, ACCT. # XXXX IN THE ESCALATED AMOUNT OF XXXX DOLLARS FROM THE ORIGINAL AMOUNT OF XXXX DOLLARS ... .THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX AKA XXXX  XXXXTHE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a XXXX sales signup inside a XXXX store.What I signed up for was a XXXX dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to XXXX on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it. What XXXX /XXXX XXXX wants to do is perpetrate fraud and 1 ) overcharge on their service,2 )  '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country. So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.

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 2017-05-26 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: CA

Complaint narrative:
XXXX  which has recently " verified '',   XXXX   & TRANSUNION are all reporting a collection account,   XXXX   XXXX   XXXX   XXXX  , AKA   XXXX   XXXX   XXXX   XXXX  , ACCT. #   XXXX   XXXX  N THE ESCALATED AMOUNT OF   XXXX   DOLLARS FROM THE ORIGINAL AMOUNT OF 3 XXXX 3 DOLLARS ... .THE ORIGINAL CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  r.THE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a   XXXX   sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.
What  XXXX  /  XXXX   XXXX    wants to do is perpetrate fraud and 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.
So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.

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