vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I can not pay my loans the day they are due due to having other bills due that are more important ( rent, utilities, etc. ). I have explained t his to Wells Fargo for the last two months, and have asked that they stop calling me. They told me they have to call me. The most I got was a seven da y call stop after I told them the earliest time I could pay. On  XXXX / XXXX / 17  I receive d four  calls from them between  XXXX  and  XXXX , and the next day is when I asked them to stop calling me.On  XXXX / XXXX /   17  I rec ieved five calls from them. I can not do anything about not being able to make my payments when they are due, and while I have not pursued the option of changing my due date ( in part because when I call it has never been offered ), I have tried debt consolidation with them and they will not consolidate it.I get the calls on my mobile phone and most of the calls come in while I am at work, when I can not take calls, which I  have explained to them as well.

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 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questi on (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ). Th ey admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on  my credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in ques tion (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  one  they have hurt. Their mistake cost me  XXXX  points on my credit score.   Contract monthly payments are  XXXX . We pay  XXXX  month  to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questio n (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on my  credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
On X/X/17 I received an email stating that I would need to make a payment on my student loan before or on X/XX/2017. I was not given an prior notice that repayment would start so soon. On X/X/2017 I spoke to a representative at Navient who told me the reason that I had not received any communications regarding repayment was due to my being in grace for XXXX student loans. She then told me that I may apply for forbearance for the month of XXXX. I believe it is inappropriate and most likely illegal to ask someone you have a contract with for payment only 11 business days in advance. I should have had to get forbearance - my repayment due date should have been adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
Afini Inc, ha s place  XXXX  accounts on my   XXXX   and   XXXX   credit report. I have been a victim of identity theft and I submitted my police report to  XXXX , and the other credit agencies. I have never had an account with  XXXX   XXXX  or   XXXX   and I keep telling these companies that. I am a victim of identity theft and this account is NOT mines . Afini does not have any validation nor did I receive anything in the mail for either of these accounts. My rights have been violated and they need to remove these false accounts off my credit report.

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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Bayview Loan Servicing h as failed to provide Requests for Mortgage A ssistance ( RMA ), los s mitigation processes including, but not limited to modifications and has instead chosen to dual track our home. In this instan ce, Bayview and its  employees, Asset  Manager   XXXX   XXXX  and Asset Manager  XXXX   XXXX  knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how  Bayview Loan Servicing an d its employees are to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. Instea d Bayview Loan Servicing and   its employees have  operated in this racketeering business enterprise for profit orchestrated through the Master Servicer   XXXX   XXXX   XXXX .  Bayview Loan Servicing and  its emplo yees, Manager   XXXX   XXXX  and  XXXX   XXXX  have practiced and established and intended to circumvent the rules and law. Specifically, they have been executing foreclosures on behalf  XXXX   XXXX   XXXX  designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their neglect to follow the loss mitigation process and have their employees indicate to us to miss payments. Review of the timeline does not conform with federal and state law. In a scheme to foreclose on our h ome Bayview Loan Servicing e mployees intentionally told us to stop making trial modification payments after we made our third modification payme nt. Bayview Loan Servicing LLC  failed to provide permanent modification documents that were not damaged and delivered late from  XXXX   XXXX  to  XXXX   XXXX . Finally, after making trial modification payments f or nine mon ths, Between  XXXX   XXXX  to  XXXX   XXXX  and the month of  XXXX  we paid at least {$1900.00}. From  XXXX   XXXX  to  XXXX   XXXX  we did n't m ake trial modification payments only after being told multiple times by Bayview Loan Servicing LLC e mployees not to make payments we didnt make payments for the month of  XXXX  and  XXXX   XXXX  . Bayview Loan Servicing then  started foreclosure on our home. We did start making payments again in the month of  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC
State: WA

Complaint narrative:
I received a letter from First Direct Lending ( attached ) offering me a refinance with cash out. I called and spoke to   XXXX   XXXX  . I explained I wanted a cash out loan as I have credit card debt and am having a hard time paying them on time. My goal is to pay off all debt except the house payment as I plan on retiring in 3 years and my social security will meet the house payment. The house payment has never been late the home is not in default. I made it clear I do not presently live in the home and I was only interested in this loan if a cash out to pay existing debt were possible. I also advised that my credit was not so hot income to debt is high and I am falling behind in credit card payments.My bad credit should reflect only two things 1 ) do I qualify 2 ) at what interest rate. I also stated that to cash out, it was acceptable for the house payment to increase upward to {$1400.00} a month as social security payments to begin in three years would meet that amount. I was not called and advised or emailed and advised that I did not qualify. I received the loan documents ( attached ). 1 ) the stated value of property is {$180000.00}. They did not offer me the loan of {$160000.00} with cash out stated on the letter or a loan near the value mark with cash out, they only offered a loan of {$150000.00}. 2 ) Closing costs for this loan far exceed the typical 2 to 5 % charged. The closing costs are added to the loan. 3 ) My pay off on the current mortgage is {$130000.00} and this new loan amount funds only the extremely high closing costs 4 ) this loan increases my house payment yet it does not better me, it in fact only betters the loan company since they intend to transfer the mortgage as stated in the loan documents. 5 ) the interest rate is the same as I am paying now. All I get out of this is not paying one house payment ( {$1100.00} ) for which my new payment will be {$77.00} more per month for 30 years. {$23000.00} excluding interest over the life of the loan to skip an {$1100.00} payment. 6 ) I made it very clear I do not reside at this residence yet the box marked " primary residence '' is checked for my signature. 7 ) this loan increases my income to debt ratio when the entire point was to cash out and pay down debt. I think that the documents attached speak for themselves. Predatory lending, loan sharking ( {$23000.00} to skip an {$1100.00} payment ) and elder financial abuse. I emailed   XXXX   XXXX    with my concerns, he has not responded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: MD

Complaint narrative:
My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was  XXXX . My loan was transferred t o FedLoanServicing.  I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  FedLoanServicing h as no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted  XXXX  initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no response or transfer of my payment. I am now being told that it will tak e 60-90 days for my payment to be transferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Long story short I made a purchase and did not get what I paid for. I submitted a complaint for reimbursement of funds through Bank of America. I asked to speak to someone in charge of the disputes department, and got ignored.I was asked to submit a claim for my dispute. I submit everything they asked for on X/XX/17, and I was denied my refund because Bank of America told me, " We understand that you were n't satisfied with the outcome of the service the merchant provided, but they have the right to receive payment for any services that were rendered. '' It was not a matter of not being satisified. It was a matter of not getting what I paid for. What if you were charged for something for a service that you did not get in full? Would n't you want some kind of refund?
<P/>You would n't let yourself be scammed by a company so why should I be scammed? I put in another claim and was called by the manager, and once again I followed directions. I submitted my proofs. The manager even told me yes I want to help you, call me, etc. I submitted the claim again, called like I was instructed to, was ignored, and given a claim denial letter on XX/XX/17. <P/>XXXX XXXX BANK OF AMERICA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
In or around  XXXX  of  XXXX ,  XXXX  sent my account to GC Services Limited Partnership, a collections company in error. The balance on my  XXXX  account was incorrect and was initially disputed in or around  XXXX  of  XXXX  as illustrated in the attached Better Business Bureau complaint. Moreover, I had to initiate another billing dispute with the Better Business Bureau in or around  XXXX  of  XXXX  regarding my  XXXX  account as it again reflected the wrong balance. Since  XXXX  of  XXXX  I personally tried to resolve the issue with  XXXX  to no avail and ultimately resolved the issue by contacting the Better Business Bureau. Despite  XXXX  acknowledging their errors, they still allowed GC Services Limited Partnership to report my account as a collections account.  <P/> Despite the fact that I have spoken with  XXXX   XXXX  from GC Services Limited Partnership on multiple occasions to get the collections account removed from all   XXXX    (   XXXX   )  major credit bureaus when they have acknowledged that it was an error caused by  XXXX  - I have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On   XXXX    XXXX   XXXX  my Bankruptcy was  discharged, And  when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.   It states these, Derogatory public record or collection filed . ( N ot listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  Trans Union is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review   XXXX   XXXX   XXXX   too thanks agai n

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: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
My wife and I have had an had a joint checking and savings account with this bank since  XXXX , no w owned by PNC. We have an overdraft protection account with a {$1000.00} limit. We have a PNC Point Visa Signature CC and a PNC Core CC both with automatic payment set up. On three occasions CC payments were automatically drafted and the balance in the checking was insufficient -- at which point overdraft protection should have covered the amount of the difference. Instead, PNC did not honor the payment resulting in late fees totalling {$85.00} and negative marks on our credit score. They are as follows : PNC Cor  e  XX/XX/XXXX   Late Fee {$25.00}  PNC S ignature   XX/XX/XXXX   Late Fee {$25 .00} PNC Si gnature  XX/XX/XXXX Late Fee {$35.00} I spoke with a  PNC account representative who told me that PNC 's policy is not to allow overdraft to make payment if it is to another PNC credit product and they would not remove the late fee. Obviously, we have OD protection for just such instances and believe the payment should have been honored.
<P/>
Also, I should note that in all the year 's we have had OD protection and PNC CCs this is a new to us happening and believe it is a recent change in PNC policy made to unfairly collect more interest, penalties and fees on the back of their customers.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Complaint is against Experian.
I have paid for, and requested free   XXXX    agency credit reports and Experian has refused to send them to me.
I just requested a credit score through  XXXX , these were the results :   XXXX     XXXX    XXXX   XXXX  Experian  XXXX  ( a difference of  XXXX !!!! ) I attempted to file a claim against them, using their website, and there identification data is so bad, I ca n't pass their identity authentication! ( no problem with the other two agencies! ) It 's a catch 22, if they wo n't send me my credit report, how can I tell them where they are wrong.
<P/>
One should expect a certain amount of self monitoring. When the agency checks its results against the other agencies, and sees a large discrepancy in credit number, they have got to make an effort to investigate it and correct it.
<P/>
It looks like this may be a revenue generating strategy on their behalf, or if not, complete incompetence. They must have a record of my making attempts to obtain a report multiple times, but do not appear to be interested at checking their records to determine why there might be problems.
<P/>
Note, that I am a member of  XXXX , and   XXXX   makes requests to deliver credit information on my behalf. this should demonstrate sufficient authentication to show them that something is desperately wrong with their records and authentication methods.
<P/>
By misreporting my credit for over 12 months, they are doing a disservice.
When you penalize an individual and deliberately prevent him/her from making corrections, this is a big problem. Deformation of character.
<P/>
I 'd like to recommend that an audit be made of Experian 's operational activities, to identify the extent of their inefficiencies. I have spoken with others in the industry, and they have stated that Experian is known for inaccuracies. This needs to be fixed, or they need to be closed down.
<P/>
Ref : Links regards their services : https : //www.consumeraffairs.com/privacy/experian.html Better Business Bureau ( 98 % Negative reviews ) https : //www.bbb.org/sdoc/business-reviews/credit-reporting-agencies/experian-consumer-services-in-costa-mesa-c a-13062929

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