vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
In XXXX XXXX I contacted the Dept. of Ed Ombudsman to make a complaint against XXXX XXXX as I continued to have issues with getting my loans consolidated and my repayment applications processed. I also received conflicting information from the customer services reps in attempts to get this resolved. I was contacted by a rep in XXXX ' escalation department and began working with her. 

In XXXX XXXX I submitted an application for a loan consolidation for two loans being services by XXXX to be transferred to XXXX XXXX as they service my other four student loans. At the same time I submitted a 2nd repayment application under the REPAYE option as the first one submitted in XXXX was erroneously rejected by XXXX XXXX Both the consolidation and the REPAYE application were processed and approved on XXXX/XXXX/XXXX and I received a letter indicating such. All 6 loans were consolidated under XXXX XXXX and my payment of {$260.00} was to begin on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment of {$260.00} to be applied prior to the first due date. Since then I have had to contact XXXX five times in the month of XXXX as they have misapplied my XXXX/XXXX/XXXX payment -- only applying it to XXXX loans and reporting the other 4 as delinquent. The escalation rep twice ensure me that she was making updates to the system that will fix it and it still has n't occurred. My loans are reportedly consolidated but XXXX is only applying payment to 2 of them and reporting the others as delinquent. They indicate all of these internal repayment reapplication requests that they 're making but it is still incorrect. This is affecting my credit as it 's being reported as such. Also, I have the right and the option of repaying my loans early and the payments should apply across all 6 consolidated loans. This is apparently discouraged by this loan servicer, and it creates huge issues every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 2017-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I had an unpaid water bill from the city of XXXX, Ca., that I was unable to pay d/t losing my job. It went into collections at Credit Bureau Associates. Finally, in XXXX of this year, I was able to pay the XXXX owed. The check XXXX drawn on my account at XXXX XXXX XXXX XXXX was then deposited in the XXXX XXXX XXXX by the XXXX XXXX XXXX., XXXX ACCOUNT #XXXX (no date stamp). The next activity on the check is XXXX XXXX XXXX >XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  After numerous phone calls and emails XXXX XXXX, continues to deny ever getting said check and depositing it. In as such the debt has never been expunged from my credit score and XXXX has investigated 3 times every time to say it has not been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have 2 hard pulls from XXXX XXXX 16. no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a no interest 48 month loan used to purchase a lawn mower. After a few months of making the payment through the phone system without problems, it no longer would allow me to do so.I made calls to customer service requesting they repair the issue for the next few months also making payment through the representatives. The process to do the payment this way took in excess of 15 min on average. The bank did not care that they wasted my time and after a few months even the representative could not find my account. I told them that I would resume payments when the system returned to working order. After three or four months they resolved the issue and i returned to making the payments. The bank began changing my payment amount and adding late fees and interest and  increasing the payment. I spoke with someone from the corporate office and he denied any issue with the system ever having happened and said to bad that they would not remove the fees, interest or return the payments to the original amount. The paper work I have from the purchase says nothing about late fees or interest just that the amount is to be paid in full within 48 months and minimum payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: IL

Complaint narrative:
I made my regular payment on XX/XX/XXXX ( the normal due date ) On XX/XX/XXXX I received a call by Midwest loan services hat said my payment had not been received. I informed the customer service rep, that I had paid via internet banking through my credit union and payment was sent ACH on XX/XX/XXXX and the funds were taken from my account. After a brief place on hold, I was told " sorry, you payment was n't late, we returned it due to our partial payment policy ''. But I did n't make a partial payment, I paid the same amount I do every month. This is when I found out there was a PMI miscalculation and I had and " escrow '' shortage of {$5.00}. 

They claim they sent a letter which I never received, it certainly was n't sent certified. So since they returned my payment, they now wanted me to pay it again with the {$5.00} added. Well I ca n't pay them, until I get the money back ( that they had ). At this point we started discussing a late fee and how I could be reported to the credit bureaus if I did n't pay it. This is when I started losing my temper. How can they do this? They had my money? After some negotiation, I was told they would waive the fee this one time and would not report me. But how many customers have they done this to?

The status as of right now ( XX/XX/XXXX )? The rejected payment was sent to a third party internet banking partner of my credit union ( that is also their policy ). It will be 10-15 business days before it will be deposited back into my account ... at which time I can pay Midwest Loan Services AGAIN. It  's my opinion that they are in violation of the Truth in Lending Regulation as I have not been credited " promptly '' as the Reg states. I have spend at least 16 hours trying to track down my money. None of this was my fault and I 'm paying the price. Something needs to be done about this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XXXX I had a scheduled payment I lost my debit card, payment was late On XXXX I received 10 phone calls in a row, could not answer cause i was at work Several Times for a total of 40 calls in one day On XXXX I received 10 phone calls in row I called back and XXXX was rude and Insulted me because I didnt contact them sooner Spoke to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hurricane disaster deferment scam ... ... ..

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 2017-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: OH

Complaint narrative:
RE : Credit Discrimination Complaint. 
RE : Prime Lending co XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX Date : XXXX. 
How are you? This is a written consumer complaint of Credit Discrimination against Prime Lending Corp.office in XXXX OH.. 
Former XXXX. XXXX is an XXXX XXXX veteran of th XXXX XXXX XXXX. He applied for a small VA backed loan ( {$8800.00} for a property in th XXXX ohio area ). A fixer-upper. This property listed for {$11000.00} but Veteran has {$2200.00} downpayment. 
XXXXThe Veteran also has VERY stable income of over {$1200.00} from a Federal Agency ( XXXX XXXX XXXX ) AND *Over {$16000.00} in checking account. 
*Prime Lending Rep would not even allow this Veteran a Loan Application? Just turned down loan application request based on a PreQualification?? 
XXXX XXXX XXXX Veteran had over {$2200.00} to put down on closing costs downpayment etc ; but was not given application by PrimeLending rep because of a " debt that has a zero payments due balance '' .... attached to it by the XXXX XXXX XXXX XXXX. 
I repeat ... .A ZERO balance due on a student loan thats in Forbearance..

*PrimeLending rep at XXXX office ignored Veterans ability to make minuscule ( tiny ) payments of property located at XXXX XXXX XXXX # XXXX XXXX OH XXXX. 
*Even though th Veteran made several requests after requests, the PrimeLending rep still '' refused '' to submit a letter ( in-writting ) stating th reason for Loan Application Denial. 
XXXX ( {$57.00} monthly premium was VERY manageable ) and PrimeLending reps did not base their decision to " Not Allow Loan Application '' on th Veterans income of over {$1200.00} per month AND over {$16000.00} in checking account savings th Veteran has. 
*PrimeLending rep stated '' ... THATS ALL WE LOAN IS {$40000.00} and up ... '' Now where did that come from? Discriminatory? 
*The Veteran had NEVER in his life heard of a Lender placing a " Certain Amount '' on a Loan OR a minimum amount to borrow? Either {$40000.00} or nothing? This is what XXXX XXXX of PrimeLending emailed to Veteran on XXXX XXXX " .... {$40000.00} LOANS AND UP ONLY .... '' * {$40000.00} and up only? But yet PrimeLending rep works with a XXXX XXXX agent whom has over THIRTY HOMES listed for under {$30000.00} ... .yet he tells the Veteran {$40000.00} or nothing .... '' *PLEASE speak with PrimeLending office in XXXX Ohio and request that they " Discontinue '' with illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I APPLIED WELLS FARGO XXXX XXXX XXXX ON XXXX. I GOT MY CREDIT CARD ON XXXX. I CALLED CUSTOMER SERVICE ON XXXX REGARDING THIS CREDIT CARD & I SPOKE TO XXXX XXXX ABOUT PROMOTION ON THIS ACCOUNT. THERE WAS A BONUS OF XXXX POINTS AFTER SPENDING {$1000.00} IN FIRST 3 MONTHS, WHEN I APPLY THIS CREDIT CARD. THERE IS NO BONUS ON MY NEW ACCOUNT ACCORDING TO CUSTOMER SERVICE DEPT. & REWARD DEPT. XXXX XXXX. I THINK THIS A FRAUD THAT I DO NOT HAVE ANY BONUS ON THIS CREDIT CARD. I DO NOT TRUST THIS BANK. THIS BANK HAD A BAD CUSTOMER SERVICE & THEY LOST A CASE IN FED. COURT IN PAST FOR {$20.00} BILLION DOLLARS.

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 2017-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: CA

Complaint narrative:
I have a private institutional loan that was serviced by ACS for several years and I made payments through their website. Recently, I got an email from ACS saying that their company name was changed to Conduent but I would still be able to log into my account with my username and password and make my payments. 
However, that was not the case. I could not log into my account with my credentials. I tried changing my password and after having an unreasonable amount of trouble doing this, I got into my account. Once I was into my account, the website kept displaying error messages when I attempted to make a payment and I was ultimately unable to do anything. 
On two separate days I attempted to send Conduent a message via their " Contact Us '' web form on their website. 
They have never responded to my messages and I have still not been able to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MA

Complaint narrative:
I received a letter from ERC for a settlement amount on a previous debt. I paid the settlement amount in full and by the requested due date. Then a few weeks later, I received another letter requesting additional amount. I am not sure why the amount of this debt continues to change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: ID

Complaint narrative:
Moved from XXXX to XXXX with XXXX on XX/XX/XXXX. Started new XXXX service XX/XX/XXXX unbundled due to lack of availability of XXXX phone and internet service. Account # stayed the same but I was being charged for extra XXXX and not receiving my bills on line. On XX/XX/XXXX I called XXXX and they stated they could not help me I had to call XXXX and speak with a representative and provided me with the phone number. I spoke with XXXX and they cleared up my account. Apparently I was being charged for XX/XX/XXXX under my XXXX account # XXXX and my XXXX account XXXX. XXXX credited my account the {$130.00} from my XXXX account number XXXX. In XX/XX/XXXX I received a bill for the {$130.00} and assumed it was an over lap in mailing. In XX/XX/XXXX I received another bill from XXXX for {$130.00} and called XXXX in an attempt to resolve the issue. I made several different phone calls and received the same answer : the billing dates were not duplicated. I finally called a number in DC ( i think ) that was sudence ppose to handle XXXX billing complaints. After several attempts to try and get her to see the overlap in dates, she finally agreed and stated I would be sent out a new bill. I waited for the new bill and what arrived was a letter from a collection agency, XXXX XXXX, account # XXXX.I have filed two separate disputes with copies of my bills and have received and email in both cases from Credence stating " XXXX states the charges are correct. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: KY

Complaint narrative:
I contacted a Discover card representative to let them know that I had made a payment using the INCORRECT checking account ( I just switched banks ) and they reported my payment as 30 days late to the credit bureau. They tried to charge it from my old account, when it should have been coming out of the new one. I contacted a rep to tell them it was the wrong account, and I made a payment with the correct one as soon as I got a notification from credit wise saying that they reported me as late. I need to get this removed from the credit report as I have proof that I contacted a discover representative about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The companies response to my complaint XXXX to cfpb is a complete lie. they claim they could not speak to me however they refused to because I had answered the phone stating that I was recording the call not knowing who was on the other end however they were calling me on a recorded line themselves ... .. The inquiries on my credit file have been on my credit report for 2 years .... 1 in XXXX  of XXXX which is showing as an XXXX inquiry but is actually a chase inquiry on my XXXX report 2 the XXXX on XXXX of XXXX  that is showing as a chase inquiry on my XXXX report. I have at one point requested the removal of these inquiries be expedited they refused to do that. In fact I was not happy with what they called masking the inquiries instead of removing them because I had not applied for this card they said they can only mask them whatever that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX continues to call and calls my work. They will nlt tell me what debt and it is clear that there is nothing as it does not show on my credit report. Nothing has been sent and i know my rights and send me a teue letter on the debt. This company is trying to scam me.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-29 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They lied and said that they would investigate but they are not they are just sending bills and still reporting false information on my credit report. Now a collection agency is writing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
Bank of America is the problem. we now have a servicing company XXXX but before it went to XXXX bank of America put a lender placed insurance policy on our loan and charged {$160000.00} for the policy. This has been going on for years we were paying our own insurance but every time we got a new date on our policy it auto canceled only the date of the policy so XXXX would always put there on policy on the loan til they got proof of us paying our own. I had sent them many copies but they would say they did not get the proof so then I told my insurance agent to sent them 6 copies well out of the XXXX the finally got 2. we are still paying our insurance that is what was on the loan we pay our own insurance and they escrow the taxes. This has been going on for too long and now they are saying that they want to forclose on our  property because it is getting behind because they are using the money on fees. Please help I make my payment every month.

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