vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Massachusetts Educational Financing Authority
State: DC

Complaint narrative:
For over a year I have been trying to lower my payments with XXXX, a loan service provider for MEFA. XXXX does not even allow you to access your payment history online so I am not able to give an exact date when I began trying to get lower payments. I was on an interest only repayment plan for a $ XXXX loan for 48 months after graduating from XXXX College and at that point the payments were as high as I could manage as I also have another private loan and federal loans with XXXX totaling $ XXXX. The interest only payments for XXXX were approximately {$200.00} per month in total and that is the maximum I can afford on my current salary. A year ago they said that I had exhausted my time on an interest only plan and that I had no other recourse. They proceeded to double my payments to over {$400.00} per month, which I was supposed to pay on top of the other {$600.00} I was paying to XXXX. I only make $ XXXX per year and I live in one of the most expensive cities in the USA. I called XXXX again on XXXX XXXX, 2017, and told them I needed to go on a interest only plan because I absolutely can not pay {$400.00} per month. They said sure and said that they would email me an application for interest only within a week. I did not receive anything. I called back in one week on XX/XX/XXXX, today, and they told me the same story I 've been hearing for the past year, which is that I 've exhausted my interest only payment option and that there is absolutely nothing that they can do for me so I can make a manageable payment per month. I want to make a payment and be current with my payments but they are asking me to do something that is completely impossible and they are not willing to work with me at all. XXXX should work with their students so that we can make monthly payments. Even though at interest rates of 6.9 %, I will probably never in this lifetime be able to pay these loans off. The fact that I was allowed to take on this much debt as an XXXX-year old is shameful. I would never have made this decision if I understood the consequences. There has to be something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX I purchased in 2012. I used my employee discount to purchased the car. When I look at the car pay off it still shows I owe XXXX dollars in pay off. This can not be right. This was a simple interest loan taken on the car at 10 % for 72 mths When I look at the payment history of the payments made, I see when I make a payment some of the money will go towards the card and some will go towards interest. For example. One month I paid XXXX dollars on the loan they put XXXX dollars to the principal and XXXX to the interest then the next month I paid XXXX dollars again. They put XXXX to the principal and XXXX to the interest the next month I paid XXXX dollars and they put XXXX to the principle and XXXX to the interest This is NOT correct there should be a certain amount each time going to the interest not jumping like that. I will never pay the car off at this point. At 5 years this car should be paid for through Santander Consumer USA if I received a 5 % discount on dealer invoice. Something does not sound correct here. They are not doing something right. Even if I deferred 3 payments I should not owe XXXX dollars left on the car in this amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I applied for a home loan to add approx XXXX sq ft to my property. I had my contractor submit the paperwork and drawings to Wells Fargo and agreed to have the do a appraisal. Without discussing anything with me the choose to order a appraisal from a company located XXXX-XXXX miles from my location instead of using the numerous companies located around my area that would understand market conditions and variables. Below is a email I sent to Wells Fargo, at this point the resolution I am looking for is a refund of the appraisal fee. I am even willing to take that refund in a the form of a check donation to a charity of my choice. I have not problem they did n't want to issue the loan but have a problem that they refused to consider that they appraisal company they choose to use was too far geographically from my area to accurately appraise my property. I have done research using local realtors and comparable home sales the the true value of my property as it sits today without the addition is between 230-250K. So a value of $ XXXX with addition is just plain wrong. email sent to Wells Fargo on XX/XX/XXXX I have at least three properties that show per-renovation value at between {$84.00} to {$130.00} per sq ft for similar properties. I think I found the problem. The basement is 100 % finished and is XXXX for one and his comps are not good at all. Below are three good comps. The total square foot for my house without addition is XXXX minus XXXX sqft for utility room in basement, XXXX upper and XXXX lower plus XXXX additional for new addition. So total new sq ft would be XXXX so if the value is taking conservative average of {$100.00} sq ft that would be $ XXXX. Even if you take the low end of {$93.00} that would still be XXXX. This does n't even include the fully finished garage office/man cave at over XXXX sq ft which is livable space for sure. If you add that in the value at XXXX would be $ XXXX Please advise as I am not about to pay for a appraisal that was n't done correctly and tell me that I am putting $ XXXX into a house but the value is only {$190.00} is just ridiculous. Wells fargo picked this appraiser and I would hope you help to make this right. XXXX XXXX XXXX XXXX XXXX sold on XX/XX/XXXX difference XXXX acres 1 more bathroom, 2 less bedrooms. {$240.00} XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is less sq foot $ XXXX $ XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is XXXX acres but 2 less bedrooms and 1 less bathroom and a lot less sq ft {$130.00} sq/ft {$180000.00}.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one is showing an inquiry on my credit report for transunion that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting an account on my credit report. I have no signed contract or any contract with this company. I have never done business with this company. I am not liable for the debt they say I owe. I would like for this company to delete their tradeline from my credit report. I am not responsible for this debt they claim that I owe. I asked this company for validation that I owe the debt. They responded with a bill that has an address that has never been an address of mine. Im not the responsible party. Furthermore, this debt was placed on my credit report without my knowledge.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX has an account listed on my credit report that is not mine. I am not liable for this debt. I have no signed contract or any contract with this company. I am not responsible for this debt owed. I asked the company to validate the debt, they sent me a bill with an address on it that has never been my address and isnt associated with me in any way. I was not notified that this debt would be placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC
State: CO

Complaint narrative:
I took out numerous loans for XXXX school from XX/XX/XXXX to XX/XX/XXXX. This is in addition for loans for my XXXX and XXXX education. XXXX of the loans that was taken out for XXXX school was from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, 1st Associates became the servicer of this loan. I received only an e-mail notifying me of this transfer, with no hard copies or attached documents. I completed forbearance paperwork while completing my fellowship, but the loan came into repayment in XX/XX/XXXX. I made a request to go to interest only payments in XX/XX/XXXX, and I was told I would be mailed the paperwork to complete this request. It never arrived, and I continued to pay my bill. I then noted that my interest rate was rising quickly, now 9.22 %. I decided to transfer the loan to a more reputable company who requested my master promissory note. I called 1st Associates to request this document, but instead got a letter in the mail stating, " Unfortunately, due to administrative error, we do not have a copy of your original agreement. Original contract terms are digitally uploaded into fields of our servicing database at account onboarding, guaranteeing a permanent record of the account details. '' This statement seems to contradict itself ensure presence of a document that they can not provide. I called again to request the documents and was told a request had to be sent through " Upper Management. '' I tried to find any contact information for XXXX XXXX ( which I think stands for XXXX XXXX ), but only find links to legal aid related to this company. I fear this may be a fraudulent company and am requesting help ensuring this is a legitimate lender before I continue to make payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: WA

Complaint narrative:
I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my trans union and XXXX reports.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to XXXX. In XX/XX/XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XX/XX/XXXX, The mortgage was not a part of the bankruptcy and my payments to XXXX were made on time consistently. In XX/XX/XXXX I contacted XXXX as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting. 
Now I am applying for a reverse mortgage, I can not reach XXXX directly, there is a " code '' on my  loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this. There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest. This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to XXXX.
In XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XXXX of XXXX, The mortgage was not a part of the bankruptcy and my payments to XXXX were made on time consistently. In XXXX of XXXX I contacted XXXX as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting.
Now I am applying for a reverse mortgage, I can not reach XXXX directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this.
There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest.
This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.

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 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX, 2017 my VA Benefits were direct deposited into my Bank of America account. When I went to get the money out to pay my bills around XXXX, my debit card would not work at the ATM. Attempted to login to our online banking and was not able to do so. I waited in the Bank of America local branch parking lot until they opened at XXXX. When I was finally assisted I was informed that our account had been frozen due to fraudulent checks. When they showed me the checks they were from people all over the United States that I had never even met. The signature " my signature '' on the back of them looked nothing like my handwriting. I was then informed that they would have to close my account on the spot, knowing I have XXXX and VA payments direct deposited, and that until they were done with their investigation I was only allowed to have approximately {$600.00} of my $ 1900+ paycheck. I asked what I was suppose to do about my benefits that are direct deposited and was told to basically take my business elsewhere and open a new account. I did so, and updated Social Security and the VA of the changes. My social security was still sent to the closed account anyway and I was issued a cashiers check that i received a few days later in the mail. On XXXX XXXX, 2017 Bank of America actually closed the account. It had only been two weeks even though the Treasury 's Green Book states that the institute must keep the account open for 30 days. The account can be closed sooner if it is an issue of fraud, which it was, however the same regulation states that if this is done the bank must still accept the direct deposit and make it available to the consumer. On XXXX XXXX, 2017 my VA check should have been direct deposited into the new account. It was n't and instead was sent to the closed Bank of America account. Attempted to go to the bank to get my funds and I was told it was sent back to the Treasury and now we must wait up to 30 days for Bank of America to return the check to the treasury then for the treasury to either put it into our new account or mail a check which could take even longer.

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 2017-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
i had money transfer to me from a friend through the PNC virtual wallet insider app the money was received by PNC bank on XXXX XXXX 2017.
i still dont have the money yet, its like its been lost,, i have talked to a half dozen people who refuse to call me back and update me..
i have an email fromXX/XX/XXXX showing the deposit into my PNC acct but funds wouldnt be realeased for 3 days, and it shows as being received inside their vitual wallet insider app on XX/XX/XXXXi have taken on late fees from creditors, ( ive had bills shut off and had to pay reconnection fees ) had to borrow money to pay bills, they arent even trying to solve this,, I used the XXXX App that they advertised an instantaneous money transfer only to find out once transferred, there is a 3 day wait the money is lost ... no one can find it,, the friend that sent me the money will not give it to me again, as it hasnt been returned to his acct, even though PNC has said they disputed this weeks ago XXXX confirmed last weds, that the money was received by PNC onXX/XX/XXXX but yet i have not received anything but,, being blown off by everyone in this bank, including the escalation dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This company keeps calling me, does n't say anything. Has silence on the phone. Then when I call back to see who it is they advise me they are a collection company. Wont provide any information other than the name " Phoenix Financial '' they are very rude and they do not fully disclose who they are & why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
After my grandfather died ( co signer ) I had to put the loan into my name, in order to do so I needed to put my loan on forbearance, to make sure I could make enough money to pay my loan, since my forbearance has ended- my pay check has not changed, I make just as much as I did one year ago. I am able to pay the amount just not at the time suggested by wells Fargo, ( first of the month ). wells Fargo can not change the date because my account is not in good standing, i asked if i could have my payments lowered by at least 20 dollars BUT i make too much money, even after we had discussed my hardship earlier in the year and nothing has changed. the issue is even if i pay my loan and split it up as intended i still get a late fee on top of the interest! AND my credit was growing and now my credit is sky rocking downhill, because i can not make my payments on time when they will do nothing to help me. i am just getting my feet grounded in a great job ( after 2 years out of school ) and it feels that i am falling backwards, almost to the point to go back to school because they will defer my loan if i do so. i just need them to be more lenient on the date i can pay my loan i just need the date changed!!

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 2017-08-02 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my XXXX XXXX and equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase had not provided me with the appropriate funds owned by me in bitcoin cash ( BCC ).

Company response to consumer: Closed with explanation