vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan Management Services is the lender. I have a fixed BK XXXX Federal Court Ordered payment, Case # XXXX with a rate of 5 %, 25 year, PB {$100000.00} onXX/XX/XXXX. I have been paying P & I of {$500.00} since the Federal Court Order for the 5 years, and 2 years after the discharge my P & I of {$500.00} to continue thru 25 years until paid per the Court Order. Rushmore increased my payment of to {$800.00} to include real estate taxes afterXX/XX/XXXX, and then told me inXX/XX/XXXX my P & I was increasing up to {$590.00} telling me it was amortized incorrectly, I let them know they could not do that, they agreed to look into it and then I would continually get letters telling me I was in default, but when I called they said just ignore, they can't stop the letters, they are looking into it. I called my BK Attorney XXXX XXXX, she said I am not allowed to pay a payment other than the Federal court ordered amount, except for real estate tax escrow, if increases ; she said the lender can not change Court Ordered P & I of {$500.00}, they had 5 years during the plan, and before the discharge, and have accepted the Court Ordered payment another 2 years after. My annual Real Estate taxes for XXXX is approx {$3800.00} /12 months should be XXXX and tax increase is more than it should be at {$410.00}, raising my total payment to {$1000.00}. Rushmore is sending me threatening letters now telling me I am in default after they told me they are trying to resolve the mix up, but tonight I received another letter telling me I am in default of my mortgage. 
P & I should be {$500.00} and real estate tax portion should be {$310.00} for a total of {$840.00}. I agreed to their increase up to {$890.00} and have been paying that amount assuming the difference was for the tax increase, but they said the difference is in the P & I, but they also increased my real estate taxes way over my XXXX real estate tax bill. ( copy  enclosed )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE A FRAUD INQUIRY PLACE ON MY CREDIT REPORT TODAY XX/XX/2018 IT WAS FOR XXXX XXXX XXXX AND THEY REFUSED TO HELP ME AND TOLD ME TO CONTACT XXXX XXXX XXXX  AND THEY WOULNDT ASSIST ME AND THE EXPERIAN REP WAS RUDE TO ME AND KEPT PUTTING ME ON HOLD FOR 30 MINS AND HUNG UP THE PHONE ON ME I HAVE NO TRUST WITH EXPERIAN

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 2018-04-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Today I received a fraud alert. When trying to resolve the Issue with the 3rd World country in XXXX they refuse to transfer me to a U.S. representative. I asked to speak to a supervisor and the people in XXXX refused to do so. I asked to cancel my card but they refused to do so. I explained that I will NOT give them pertinent information in fear of fraud and they refused to help! I don't know what to do anymore. There is too much fraud due to 3rd World representation to save $ . The American people are suffering from lack of quality control. XXXX XXXX has instructed XXXX to refusal of U.S. help. I do NOT trust my personal information to be in the hands of a impoverished country with no moral compass. When will this stop!? The timeswere XXXX and XXXX onXX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I received a fraud alert. When trying to resolve the Issue with the 3rd World country in XXXX they refuse to transfer me to a U.S. representative. I asked to speak to a supervisor and the people in XXXX refused to do so. I asked to cancel my card but they refused to do so. I explained that I will NOT give them pertinent information in fear of fraud and they refused to help! I don't know what to do anymore. There is too much fraud due to 3rd World representation to save $ . The American people are suffering from lack of quality control. XXXX XXXX has instructed XXXX to refusal of U.S. help. I do NOT trust my personal information to be in the hands of a impoverished country with no moral compass. When will this stop!? The timeswere XXXX and XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Greetings my name is XXXX XXXX. I have been trying for weeks now to get Wells Fargo to refund money I sent from my bank account to another account. This all started on the XXXX of XXXX. I sent an ACH transfer from XXXX XXXX XXXX  to my XXXX   account. The money has to go through Wells Fargo to get there. The total amount sent was XXXX. I setup the transfer from XXXX XXXX XXXX online it only took me a few minutes to complete the transaction, I hit send, XXXX XXXX XXXX  sends me the confirmation the transfer is going through and will be sent by next day. Friday came no money was in the account. Monday and Tuesday came still no money in the XXXX account. So I called XXXX for the next 5 days asking why the XXXX had not posted to my account. XXXX does an investigation and they can not find any trace of the money coming to them. So I contacted XXXX XXXX XXXX  and was told that the money was sent and they received confirmation from Wells Fargo that they received the money. I contacted XXXX again and told them the bank sent the money and it should be there. XXXX does a longer investigation for about 1 day and still they could not find the money. I recontacted XXXX XXXX XXXX and they started and looking into it and found out that Wells Fargo was sending the money back to me because the routing number was incorrect. It should be returned to me in about 1-10 business days. 10 pass and nothing from Wells Fargo, I contacted XXXX XXXX XXXX  and ask for a claim to be filed against the money I sent. I called 5 days later and XXXX XXXX XXXX  told me Wells Fargo still has not contacted them. Next I file a claim against Wells Fargo on the XXXX XXXX XXXX website and awaited a response that came. I was told that there wasn't much that person could do to look into the matter and I needed to speak with XXXX XXXX XXXX. It is now now 4 weeks later I am still waiting on a response from XXXX XXXX XXXX  from Wells Fargo and the person who handled the transaction and still no answers. This should not take this long.

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 2018-04-25 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
They pulled my credit score twice without my permission for an auto loan. 

Wells Fargo was the bank that did this.

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 2018-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: FL

Complaint narrative:
My complaint is more with the school XXXX XXXX at the university of XXXX XXXX. After graduating with an XXXX at a XXXX college we ( XXXX students ) are offered a 4year XXXX only degree at XXXX with courses costing at graduate cost but despite having all As if a portfolio isnt good enough, they make you take repeated courses at graduate cost. And if they still find you portfolio not good enough, despite having all good grades in courses they can kick you out pf the program and are forced to graduate with a XXXX in a field you never intended in the first place ( XXXX in XXXX XXXX ). We were sold on the dream of one day becoming XXXX and payed a higher price to go to school. I was very close to completing all my credit hours required for the program and despite completing my clases with good grades, I wasted my time and money. I borrowed so much money because fafsa wouldnt cover my tuition because we were forced to pay as graduates but forced to graduate with a XXXX  in XXXX XXXX instead of a XXXX in XXXX. I seeked attorney advice but say its hard to sue public university.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
They pulled my credit score twice without my permission for an auto loan. 

XXXX XXXX was the bank that did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
They pulled my credit score twice without my permission for an auto loan. 

XXXX XXXX was the bank that did this.

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 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I obtained a new car loan from Bank of America ( BOA ) with terms of ACH bimonthly payments of {$500.00} for the term of the loan. In XX/XX/XXXX, I requested the payoff balance for the loan and duly liquidated the loan for the amount required. 

In XXXX I observed that an ACH payment had been made on the closed loan and requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I attempted to terminate the scheduled loan payments from my bank and subsequently found I failed in that endeavor. 

A second ACH payment was made on the closed loan and I requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I contacted my bank who assured me that ACH payments to BOA were terminated but one last payment gad been debited from my account. 

On or about XX/XX/XXXX I contacted BOA and was informed the reimbursement would be made in the coming days. After approximately on e week, I contacted BOA and informed them of the reimbursement non-receipt. BOA informed me that a mistake had been made and the reimbursement had not been dispatched but would be dispatched XX/XX/XXXX arriving in one week. 

BOA has failed in its duty to make timely return of my over payment, a fault wholly of its own making.

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 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Statement closing date and due date rolling 3 to 5 days in either direction every few months, but generally a due date on the XXXX, except this month, it was the XXXX. Invoked a {$39.00} junk fee. Nefarious business practice is designed to trip up payment sequence. Evidence : I have 2 accounts, one on auto pay, date never changes, second account, no auto pay, they slide the due date around. You ought to look into this.

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 2018-04-25 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I HAVE BEEN DEALING WITH SALLIE MAE NOW NAVIENT WITH MY STUDENT LOANS EVER SINCE I ATTENDED XXXX XXXX IN XX/XX/XXXX-XX/XX/XXXX. NAVIENT STEERED ME TO A FORBEARANCE WHEN I GRADUATED IN XX/XX/XXXX BECAUSE I COULD NOT PAY THE $ XXXX  MONTHLY PAYMENT, SOON AFTER MY FORBEARANCE WAS OVER MY LOANS WENT INTO DEFAULT REALLY HURTING MY CREDIT, THEY THREATENED TO GARNISH MY WAGES. SALLIE MAE AT THE TIME MENTIONED TO ME THEY WERE GOING TO WORK WITH ME BUT ALL IT WAS AN INTEREST ONLY PAYMENT AND THE LOAN AMOUNT KEPT GETTING HIGHER AND HIGHER EVERY MONTH WITH THERE RIDICULOUS INTEREST RATES OF 10 % -12 %. STILL TILL NOW IT HAS BEEN ALMOST 10 YEARS OF PAYING AND I STILL OWE XXXX ON THESE PRIVATE LOANS. THE LOANS FROM XXXX I CALL THESE. I AM A VICTIM OF DEFRAUDED ON THESE LOANS AND A MALPRACTICE BY NAVIENT IN MANAGING MY LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I originally reached out to XXXX XXXX for assistance repaying my loan and seeing if I could get a lower monthly payment or other options due to the fact that my income had significantly changed. I was told that the only option offered by the compan was a forbearance of 3 months. This cost me a total of {$150.00} fee ( {$50.00} for each loan ). The {$150.00} did not appear to have been applied to my loans and I continued to accrue interest over that 3 months that totaled around {$500.00} that was added to my loan amounts. 
I again reached out to the company on XX/XX/XXXX for financial difficulties and again was told that a 3 month forbearance was my only option. Again paying a fee of {$150.00} and accruing {$450.00} during that 3 month period. I have documents for the XX/XX/XXXX forbearance and am currently working getting records of my XX/XX/XXXX, as the company only allows users to view statements for 24 months. 
I have also had several interest rate increases in the life of my loan without any prior notification of rate increases until I notice it on my bill causing my monthly payments to increase by over {$100.00} in the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been asking for Equifax to remove a Charge off account from my credit file for several months now. I have asked for the method of them claiming they have verified the account, who they spoke with and a copy of a contract with my signature but never get anything but a email with results saying that the creditor verified the account. 
The account is XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
My loan was transferred to XXXX XXXX based on that I applied to the XXXX. I was not told that my graduated plan didn't fit the criteria, from XXXX XXXX. However, they both think it was the others neglect not to tell me. However, both of those transfers went through the Dept. of Ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I had got a car loan with a company called Santander USA. I had asked for advancement on my loan because i had to relocate to an apartment they gave me a month then the company said i would have to pay in 30 days. So i did that then. They turn around and tryed to charge me interest. Then i made double payments in the same month and none went to the pricipal. Then they told me i owed them XXXX dollars off of one payment of additaional intrest then they caimed to the intrest.. I called to work things out they told me they were going to repo your truck then they said your 2 months behind then i asked why hasnt anything been appiled to the pricaiopal payment. there answer was you owe XXXX  dollars. 

Im sending in regrads please help. that this is clearly predatory leading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My automatic debits for Wells Fargo are set for the XXXX of every month which typically take a couple days to show up on my bank account as expected. 

OnXX/XX/XXXX ( Wednesday ) two debits of the monthly payment were taken out. This caused an overdraft of my bank account of {$36.00}. 

My bank can't refund the overdraft fee until Wells Fargo submits the refund. I had called Wells Fargo onXX/XX/XXXX ( Thursday ) to get that amount refunded. After going back and forth ( stating that I needed the refund to clear the overdraft fee versus not having it a charge for next month ) with the customer service representative that I needed the amount refunded they agreed to do so. 

It was also explained that this was a glitch in their system and that it would be taken care of. I was then asked if I would like to be added to the new system. I stated " Please keep me on the normal payment schedule and refund the extra charge ''. Again there was a lot of back and forth on if I would like to be put on the new system so that my payments would be auto-drafted as they were before. 

I kept saying " Please keep me on the normal payment schedule and refund the extra charge ''. Finally I thought I had gotten through to the representative until I received the attached letter. From my understanding, this letter states that it's OK for Wells Fargo to charge me up to three times the monthly amount before they notify me.

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 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX, the Human Resources of XXXX XXXX XXXX, XXXX address as following XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. 
Web : XXXX sent me an appointment letter to work with his company to collect the company amount from their clients in USA and XXXX then to send them the money after I deduct my percentage 10 % only from each collection, therefore their client going to pay check to me and I suppose to collect all this dues amount the transfer it to them according to XXXX XXXX   instructions, thus they send me the first invoice to XXXX XXXX XXXX of the amount of {$280000.00} and XXXX XXXX  asked me to contact him to start the payment on behalf of the company XXXX XXXX XXXX, XXXX then I did that and I contact XXXX XXXX XXXX to start paying his due amount, the gentleman asked me to pay partially on weekly bases and he sent me the first check from Bank of America which my account too so it will be so easy to collect the check within 24 hours only, so he send it from XXXX to my address in Virginia via XXXX XXXX with the following information Proof of Delivery Dear Customer, This notice serves as proof of delivery for the shipment listed below. 
Tracking Number : XXXX Service : XXXX XXXX XXXX Shipped/Billed On : XX/XX/XXXX Delivered On : XX/XX/XXXX XXXX XXXX. 
Delivered To : XXXX, VA, US I take the check and deposited in my account specially its under my name, the next day ( XX/XX/XXXX ) the bank of America credit the amount {$22000.00} to my account then hold the same amount again till they investigate the check. 
today at XXXX XXXX I am trying to use my debit card to fill my car with the fuel I notice that my debit card is denied I called the bank of America customer service they informed me that they close my account because of a fraud check deposited in my account on XX/XX/XXXX, I explain the story to the bank officer on the phone he said I am victim and I should report a case immediately. 
That is what had happen sine XX/XX/XXXX till now.

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