vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I took a student loan through American Education Services while I was going to college at XXXX XX/XX/XXXX-XX/XX/XXXX. The original loan balance was {$11000.00}. I started paying the loan in XX/XX/XXXX over 8 years ago and my current balance is still {$9200.00}. I have not missed a payment in 8 years. I receive notices several times a year that my monthly payment amount is changing though there is never an explanation as to why. I have called to request overpaying the principal each month in order to pay down the loan faster and that was denied. They said I would have to mail a separate check each month and that I could not adjust my auto-debit. I also have called to request consolidating this loan and have been told twice that it is not possible with the type of loan I have. 
I have XXXX other student loans ( some federal, some private ) that are all coming down nicely and set to end in the 10 year period originally defined. I feel that this company is gouging interest and unnecessarily extending the life of the loan. If I continue on this path I will pay more than double the original loan amount and it will take over 20 years. This is unacceptable to me considering all XXXX of my other loans do not work this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: NC

Complaint narrative:
I have a Private loan serviced by AES. The lender is XXXX. I attended the University XXXX XXXX in NC and received a XXXX. I could n't obtain employment so I went back to school and attended XXXX XXXX XXXX College and obtained an XXXX. During my time in school I obtained several government student loans and I honestly do not remember obtaining a private student loan at all. I have asked for a copy of my application to confirm whether this is my loan and AES has refused. I decided I would go ahead and pay the loan to protect my credit. I have been paying on this loan and have never been late but the balance keeps increasing. AES has been applying all of my money to interest & not principal. The alleged original loan amount was XXXX and now they have me owing over XXXX. Over the years they have changed the interest rate & payment amount several times without notifying me. Just recently that interest has gone up again, therefore my payment has also gone up. I really value my credit rating that is why I continue to pay on this loan, but I really need someone to help me with getting confirmation from AES and XXXX to confirm that I actually signed for this loan and to review my loan documents to ensure that the terms of the loan are legal. I am pleading for the government to do a thorough investigation of AES and XXXX in reference to their loan practices. I feel they are taking advantage of honest hard working students seeking to advance their education in order to make a better life for themselves. It is very shameful and disgusting how AES & other lenders are allowed to commit these atrocities at the expense of students & their families. Thank you for allowing me to voice my concerns regarding this important issue. Predatory student loan lenders are proving to be very detrimental to a promising future. I hope that I and many other struggling borrowers can find relief. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAVE DISPUTED MY CREDIT REPORT WITH EXPERIAN FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. IN FACT, THEY TOLD ME FLAT OUT THAT THEY WILL NOT REMOVE INACCURACIES OFF OF MY REPORT AND TO NOT CONTACT THEM ANYMORE. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT. 
-STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS IN SCHOOL AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ). 
- STATE TAX LIEN - THEY HAVE A TAX LIEN ON MY REPORT WHEN THE IRS REQUESTED FOR THEM TO REMOVE THIS TAX LIEN. I HAVE SENT THEM MY TAX LIEN RELEASE/REMOVAL PAPERWORK SEVERAL TIMES WHICH THEY HAVE IGNORED. THIS TAX LIEN WAS REMOVED FROM MY XXXX & XXXX REPORTS BASED ON THE LIEN RELEASE I SENT THEM FROM THE IRS. 
- BANKRUPTCY - MY BANKRUPTCY WAS DISCHARGED. THEY HAVE NOT REPORTED THAT ON MY CREDIT REPORT. 
- PUBLIC RECORD - THEY HAVE A PUBLIC RECORD JUDGEMENT ON MY REPORT THAT SHOULD HAVE BEEN REMOVED FROM MY REPORT AS IT WAS FROM XXXX AND 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 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
In XX/XX/2016, we lost my wife 's mother. We had to utilize more of our income than normal to take care of our bills, the funeral and our businesses. We were staying above water until the end of the XXXX. My wife is also an XXXX. They do not get paid in the month of XX/XX/XXXX. We missed out on that income to help us pay for our bills and our mortgage. I was able to pay part of it, but not all of it. I called to set up a payment recovery plan with my mortgage lender and they agreed to it. But I did not realize that, in doing so, I was going to have mortgage payment ding my credit score. We are looking initiate the process of refinancing the mortgage in a few months and also further invest into our businesses. This mark against my credit score has severely impacted our ability to do so. I have consistently paid our mortgage and have not had any late payments until last month. My request is that the late mortgage payment be removed from my credit score. As of today, I have met the payment recovery schedule in completion. And we are on track to pay for our XX/XX/XXXX mortgage payment on time.

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
EQUIFAX IS NOT REPORTING MY MORTGAGE INFORMATION, CALLED SPOKE WITH THEM AND SPOKE WITH XXXX HE SAID FINALLY GIVE IT 30-60 DAYS BUT HE COULD NOT ANSWER WHY IT IS NOT ON THERE NOW. I HAVE HAD THIS MORTGAGE FOR AROUND 15 YEARS AND NO EXPLAINATION WHY IT IS NOT THERE NOW. I CALLED MY MORTGAGE COMPANY AND THEY TOLD ME THEY SENT REPORT XX/XX/2017, SO I CANT GET A STRAIGHT ANSWER WHY EQUIFAX HAS NOT REPORTED ANYTHING, THIS IS HURTING ME GETTING RE-FINANCE OF MORTGAGE AND CAR LOAN. I FEEL LIKE THEY COULD GIVE ME REASON WHY BUT HE COULD N'T. XXXX HAS IT, XXXX HAS IT BUT WHY THEY DONT I DONT KNOW. I WANT IT FIXED NOW! 
THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INDIANA XXXX ATTACHED IS FROM XXXX AND THE OTHER PAGE IS FROM HOME LOAN APPLICANT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to several times to get said item removed from my report. The account is Fraud and each time i talk to the bank all they can tell me is it in the fraud dept. someone will call me but no one every calls. so how is it that equifax was able to verify it but I never get through. Someone at XXXX us my information to get a loan and they know it. I am asking that they please remove said item. Must I remind them of the case XXXX v. Equifax Information Services , LLC, Case. No. XXXX. I am prepared to take this to court I have all my notes and each person I have talk to there. My next move will be to file in court. All I ask is to remove said item XXXX account # XXXX this is my last attempt to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have disputed twice with Equifax the status of a tax lien that was placed on my credit report. The tax lien was vacated and withdrawn, and removed from my XXXX report. I am requesting that they do the same. I faxed over documentation from the courthouse. When calling the about the dispute, the last XXXX representatives stated they did n't know what I was talking about and that the item had been removed. Then they further proceed to try to get me to upgrade my monitoring service. I explained to them that I do not pay {$16.00} for my services, I pay a more reduced rate. They insist that Im being charged more and proceed to transfer me to another department where they see my account is exactly as I stated with the reduced fee. I have been going back and forth with this company for the last week or so with no results and the same answer " i do not know what you are talking about ma'am '' Frustration has truly set in, all I want is for the lien to be removed from my report because its reported inaccurately and has been vacated by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since at least XX/XX/XXXX Multiple requests to Equifax to properly report the status of my account with XXXX XXXX XXXX have come back as investigated and confirmed when just looking at the reporting it is obvious that it cant be correct. Multiple phone calls escalated to supervisors who agree that its clearly wrong have had no impact Equifax Reports : XXXX XXXX : XXXX late XXXX XXXX XXXX XXXX XXXX Repossession XXXX XXXX They also report that this will be deleted XXXX XXXX The first delinquency is actually XXXX XXXX and by law this should drop off my credit report XXXX of XXXX. 
Numerous attempts to contact or dispute this with XXXX have failed and Equifax refuses to contact XXXX in any other fashion than XXXX which always come back the same. 
Multiple Equifax supervisors have agreed the reporting is incorrect but the reporting never changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
WHERE DO I START? I WAS WITH MY WIFE UP ON THE XXXX OF THE XXXX IN XXXX TUESDAY AFTERNOON WHEN DISCOVER CARD DECIDED TO SHUT OFF MY CREDIT CARD FOR NO GOOD REASON! INSTEAD OF DOING THE RIGHT LEGAL & ETHNICAL THING OF CALLING ME ; THEY INSTEAD TAKE IT UPON THEMSELVES TO " PLAY XXXX '' WITH MY CREDIT PURCHASES. I THEN CALLED THEM BACK IMMEDIATELY TO CONFIRM THAT I AM THE PERSON MAKING THE CHARGES ; THAT THIS CREDIT CARD HAS NOT BEEN STOLEN. WHEN I DID CALL BACK, I WAS ASSURED BY THE CUSTOMER SERVICE REP. THAT THE ACCOUNT WOULD BE REINSTATED. THEN I TRIED TO CHARGE SOMETHING ELSE & GOT THE SAME SURPRISE " DECLINED CARD ''. I CALLED BACK AGAIN!! THIS TIME SAME PERSON ASSURED ME MATTER WAS BEING CORRECTED? THAT THEY WOULD ALSO PUT A " TRAVEL ALERT '' ON MY CARD? THEN AGAIN I TRIED TO CHARGE, THEN GOT SAME SURPRISE! DURING THIS WHOLE TIME, MY RELATIONSHIP WITH MY WIFE WAS WORSENING BECAUSE OF THIS " XXXX ''! I CALLED BACK AGAIN, THIS TIME SOMEONE APOLOGIZED? THEN REASSURED ME THE PROBLEM WILL BE FIXED NOW? THEN I LEFT THE BUILDING GOING DOWN THE XXXX FEET ELEVATOR DESCENT FROM XXXX! WHAT A RIDE! THEN WE GO TO A NEARBY VENDOR, I WAS DECLINED AGAIN? I CALLED BACK AGAIN THIS TIME FURIOUS, THIS REP. TOLD ME A TOTALLY DIFFERENT STORY THAT THE CARD CAN NOT BE USED FOR ANOTHER 48 HOURS??!! THAT WAS IT FOR ME!! THANK XXXX I BROUGHT ABOUT $ XXXX CASH WITH ME TO XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Greetings, In XXXX, i refinanced with XXXX XXXX XXXX only once. I started with a balance of XXXX, cash-out : XXXX, bank & broker fees : XXXX Total refinanced=XXXX. 
But today, my balance= XXXX and noone can explain this except XXXX XXXX XXXX who say, " fees. '' or " bank fees. '' In XXXX, at the closing, i was denied a 3-day recission period and i was denied a copy of the new note. 
2 months pass & XXXX drop off a 4 payment option ARM, none of which i heard at the closing and the balance spiked from XXXX to XXXX, in 2 months! 
1 week before XXXX settled for XXXX with our govt., XXXX quickly sold my XXXX mortgage note to XXXX for {$160000.00} so as to avoid 'making me right ' again. 
Again, the XXXX was sold for XXXX! that i have to pay. 
Why did n't i benefit from the XXXX XXXX XXXX XXXX settlement with the govt.? 
5 months pass. XXXX sells my note to Nationstar. Now, i have a 40 year note for XXXX but remember, i started in XXXX with a refi of only XXXX.Total. 
XXXX knew i was XXXX before the closing as they used my XXXX XXXX income to meet their income guideline. I became XXXX after XXXX. 
Being XXXX explains why my closing was set at XXXX to XXXX and why i was denied a 3 day Recission period nor a copy of my new note & terms. I pleaded 5 times for a copy. Answer by XXXX and 'XXXX : " No XXXX XXXX , we have to get all XXXX pages upstairs to be notarized. '' Those XXXX agents at my XXXX closing later quit or were fired. Keep in mind, i only did XXXX refinance, not XXXX i do not have a second mortgage either. 
Fast forward to XXXX. XXXX sold my note to Nationstar. Last month, I asked their senior loan officer to explain the 'History ' of my original note of XXXX & how it became XXXX. 
Nationstar loan officer stated he could not make any sense of the 'history ' of my note but he promised to call back in 3 days. He, ( Nationstar ) never called back. So, i am burned for life. Noone will tell the truth of what really happened. My Nationstar mortgage statement has XXXX balances which total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I had XXXX collections on on my Transunion report removed then they added them back on without telling me they were going to do that. I cant look at my XXXX report but I believe they added them back on to report also. I have a screenshot of the removal and then the replacing back on.

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 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine in XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Transunion as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Transunion has continued to report this civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Transunion but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Transunion credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Transunion has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.

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 2017-01-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: LA

Complaint narrative:
Greetings, On XX/XX/2016 there was an issue with my autopay and it debited me for double my mortgage payment. This was my fault admittedly as I apparently inputted into the wrong autopay field. I called Franklin American and was told that it would be wired back to my account. This did n't happen for days. I called back a week later and was told the same thing and that it it would then be resolved. That never happened. I called again and was told that it had to now be mailed to me. I agreed to that and never received it. I called again and they said it would be overnighted and I did finally receive it several days later by regular mail on XX/XX/XXXX. Since then I 've been haggling with my bank about all the bank fees I 've received since then and was instructed it is the obligation of Franklin American to refund me those fees. 

This has been extremely frustrating and has cost me a great deal of money. I need this resolved immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything.

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 2016-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Phillips & Cohen Associates, Ltd.
State: MS

Complaint narrative:
sOMEONS FROM pHILLIPS COLD CALLED  IN REFERENCE TO MONEY OWED. hE WOULD NOT IDENTIFY HIMSELF OR THE NATURE OF HIS CALL  SO I HUNG UP. tHE NUMBER ON MT cALLER I d WAS XXXX AND THE NAME WAS pHILLIPS. I LOOKED THIS UP ON THE INTER NET AND FOUND THAT THIS COMPANY HAS NUMEROUS COMPLAINTS FILED AGAINST IT. wHY HAS NOTHING BEEN TO STOP pHILLIPS FROM harassing  PEOPLE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid off my Capital One credit card years ago. I just never closed the account because I thought it would look better on my credit report to have a zero balance than a closed card. When my new card arrived after the old one expired it had a sticker on it with directions to call for activation. I kept this sticker attached and never called. I filed the card away in a safe place. Years go by and I forget I even have/had this account. Suddenly in XX/XX/XXXX I get alerts that the card is being used. Immediately I call Capital One. I get nothing but the run around. No hassle card?? This is anything but. I pull out the card to reference it & the valid dates are XX/XX/XXXX thru XX/XX/XXXX. Keep in mind this card was never used, the account inactive since XX/XX/XXXX. This card was NEVER activated. After several calls they send me what looks like a novel in the mail with with a ton of paperwork to fill out about the charges. Then I have to check off each & every charge that I claim is fraudulent. That 's EVERY charge!!! Pages & pages of them. I fax the many pages to them. Get another past due bill in the mail. More calls made. Turns out after all this they did n't close the account or flag it?! How does someone continue to make purchases, does this bank have any common sense? Call again & order the account to be closed. Finally get a notice on the mail everything is resolved. Two weeks later another bill for past due amounts. I call again. Apparently only some of the charges were resolved as fraudulent, not the later charges. This is going on 5 months now. What a joke. Honestly feeling like this bank is nothing but a giant scam. This particular card has an expiration date of XX/XX/XXXX. Is this a coincidence that after years of inactivity just months before the account expires again there 's hundreds and hundreds of dollars charged? Some that required a currency exchange so obviously out of the country? I 've never even been out of the country. Either the company itself is a giant scam or employees are stealing the information. No other way anyone would have had access to the account, it was n't even an active account. Not only would I never recommend anyone ever do business with this bank, I highly recommend closing accounts if you have them & do n't let anyone you know use this company for any type of loans or credit cards. Still not a resolved issue, I could n't be more annoyed or frustrated. Do n't walk away from this bank. Run. I 'm actually nervous they have my information in their system, I do n't trust them one bit.

Company response to consumer: Closed with explanation