vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage charged me {$170.00} for an appraisal fee because I requested a loan modification. I understand that an appraisal is only REQUIRED when attempting sale. The investor can opt to have an appraisal done but it has no bearing on a loan modification and it should not be charged to me and I should not be responsible to pay for it. I was approved for the modification but declined it. I have requested this fee be removed from my account each month for the last 4 months. I have written several times to loan servicing. I have spoken to XXXX XXXX, Account Representative, who has lied to me each time by informing me that the fee was removed and will appear as a credit on the next statement. This fee remains on my statement and no credit has been applied to my account. See my current XX/XX/XXXX statement attached. I called Shellpoint again today, XX/XX/XXXX, XXXX XXXX PST and the representative that answered the phone researched my account and informed me that her supervisor said I need to request in writing to have this charged removed. I have already done that several times. This is the sub-standard, non-effective administration that I experience with this company on each and every issue, all the time, for the the entire time they have serviced my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: AK

Complaint narrative:
For the second time on XX/XX/XXXX at XXXX, I was contacted by " XXXX '' at Source Receivables Management in regards to an owed debt. I in he past had already asked them never to call me at work. Both times I have spoken with someone and tried to end the conversation ( because I am at work and can not accept such calls ) they were both extremely rude and argumentative. I felt like I was being personally attacked. Both times I have had to hang up to not cause a disruption at my work place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was shocked when reviewing my Credit Report for this month. I have not been late on this Mortgage this year at all. IT is currently showing as 30 days late in XX/XX/2019, I made my payment forXX/XX/XXXX on time. I was marked as late earlier this year, which I believed was rectified. It turns out they have just moved the late pay to this month! As I said, I have not been late at all!

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 2019-05-03 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: CURO Intermediate Holdings
State: LA

Complaint narrative:
This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I recently noticed a collection account listed on my credit reports from Transworld for {$310.00}. I am not aware of where this collection came from and I am requesting debt validation. Please provide copies of a signed contract and copies of billing transactions to validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I needed to go to the doctor. I contacted XXXX XXXX to schedule an appointment with my primary care doctor to get a XXXX shot. The representative who answered advised me to go a closer office. I went to the office on XXXX XXXX as directed. My insurance company, XXXX, did not pay the bill because the doctor who saw me was not my primary care physician. XXXX XXXX then sent the bill to collections due to non payment. It was later determined that this was an error on the part of XXXX XXXX. They corrected the issue and the bill was subsequently paid by the insurance company. 

This office visit took place on XX/XX/2017. At that time, my credit scores for TransUnion and XXXX  were XXXX and XXXX respectively. Since this item was incorrectly transferred to a collection agency, my score dropped to XXXX and XXXX. Since this was an error and was not my fault, and has been rectified, I believe that my score should be restored to where it was before this error took place.

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 2019-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am XXXX XXXX for and by the State of California ( CA #  XXXX ) and am making this statement as a deposition : Today, on XX/XX/2019, I setup an XXXX XXXX payment with Toyota Financial Services ( TFS ) for Wednesday, XX/XX/2019 after telling TFS that I already sent in a payment via XXXX XXXX on XX/XX/2019 for {$330.00}. Also, I have setup another payment with TFS for {$330.00} on XX/XX/2019. In any case, I am tired of talking to people who sound like robots ( which they will probably be replaced with soon anyhow ) who do not really answer your questions and tell you, '' to have a nice day. '' My concern, even though I have a confirmation for bank draft next Wednesday, that TFS is still seems to be threatening me with repossession ( attitude ) ; especially after withdrawing their offer to rest my account to current two months ago ( by putting the two late payments on the end of the loan - my family never got the letter that TFS stated they mailed ). Now that TFS is in XXXX, Texas, they are free from Consumer-Friendly business practices and can essentially threaten and harass consumers as they see fit. Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report shows a closed account from XXXX XXXX that shows a balance of {$520.00} and its listed as a negative/delinquent account. This information is INCORRECT. That account has a {$0.00} balance and is NOT DELIQUENT OR NEGATIVE. IT IS PAID IN FULL AND IT IS CLOSED.

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit report shows a closed account from XXXX XXXX that shows a balance of {$520.00} and its listed as a negative/delinquent account. This information is INCORRECT. That account has a {$0.00} balance and is NOT DELIQUENT OR NEGATIVE. IT IS PAID IN FULL AND IT IS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I used my Debit card for a {$5.00} transaction. My balance at the time of this transaction showed apx. {$23.00}. 
The transaction was approved and the {$5.00} showed as a " pending '' amount and was subtracted from the available balance in my account. 

The very next day I was charged an overdraft fee for this transaction of {$34.00}. 

As I have stated in numerous discussions with Chase Bank customer service rep.,. if the money isn't available then the transaction can not be approved and processed, but in this instance, the {$5.00} was available therefore the transaction was approved and deducted from my available balance. 

Chase Bank made over 6 BILLION DOLLARS in overdraft fees in XX/XX/XXXX alone because of their dishonest overdraft policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX I noticed that their was an incorrect reporting on my XXXX credit report. This negative reporting according to XXXX 's online access stated that this account was negatively noted on XX/XX/XXXX and on XX/XX/XXXX, two days later my score dropped by 34 points. Although I was not aware of this reporting until XXXX I immediately notified the Furnisher of this error and I was informed that this error would be removed within several business days. I contact XXXX  and informed them of this upcoming correction and was informed to wait until the system updated and it would be corrected. After observing my account daily on XX/XX/XXXX the correction was made and the negative reporting was removed. Although it decreased my score by 34 points immediately after reporting, XXXX only raised my score by 2 points once it was removed and corrected. On XX/XX/XXXX I contacted XXXX 's Consumer Affairs Department and spoke with a representative by the name of XXXX, who attempted on numerous occasions to justify what was clearly improper scoring record keeping towards my account as a consumer and basically dismissed addressing the matter. Their had not been any factors which could justify decreasing someone's account by 34 points due to a negative reporting and once corrected only increasing the score by 2 points. What this bureau has done should be illegal and addressed immediately because their actions is reeking havoc on my credit history and if not addressed I will get legal counsel involved to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates
State: OH

Complaint narrative:
Left a voice main on XX/XX/2019. Said in the voice mail, " Attempt to contact you at home address has been unsuccessful it is very important that you speak with our office. Please press one now to speak with a live agent or to contact our office at a more convenient time. Phone number that you can reach someone is XXXX-XXXX-XXXX-XXXX. Your cooperation in this matter is required ''.

Did not say my name, who the company is, or what this is in reference to. The original phone number that called me is XXXX-XXXX-XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XXXX Sallie Mae decides to switch to another third-party service or however I had agreement already set in place for settlement to pay around {$130.00} a month for a settlement of XXXX and some change with the previous third-party services. I have already paid XXXX of that and I was in constant communication with the previous third-party. Sallie Mae is now trying to renege on that agreement for settlement theywill not work with me to negotiate a better price than what they are trying to offer now With the new third-party service. The The current servicer is stating that Sallie Mae is denying my quote request to continue the settlement already had in place.Currently Im only able to afford XXXX as agreed-upon and It is unfair that they would try to Reneged on the agreement of settlement and try to charge me more. They are cracks and they are not honest even the new the third-party vendor was willing to work with me as far as keeping the same Agreement and settlement.However when I call Sallie Mae it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
- XX/XX/2019 Unauthorized credit card payment of {$7800.00} issued from my Bank of America account to XXXX XXXX. 

- XX/XX/2019 Unauthorized credit card payment of {$2300.00} issued from my Bank of America account to XXXX XXXX  Credit Card. 

- XX/XX/2019 Requested to stop another incoming unauthorized credit card payment from my Bank of America account to XXXX XXXX Credit Card. 

- XX/XX/2019 Fraud Claim was filed to Bank of America. 

- XX/XX/2019 Fraud Claim was denied. 

- XX/XX/2019 Identity Theft Report from FTC ( Federal Trade Commission ) and Complaint Referral Form from IC3 ( Internet Crime Complaint Center by FBI ) were sent by fax and certified mail to Bank of America Fraud Department.

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 2019-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On multiple occasions between the end of XX/XX/XXXX to XX/XX/XXXX I made contact with Navient in regards to my private loan payment that was back into repayment. 

I spoke with a representative at length and explained that I was not in a position to afford a {$290.00} payment due to financial hardships-divorce single mom etc. The customer service representative went ahead and specifically communicated that she was going to place my loan into deferment for 1 year. I agreed to the terms and politely thanked the representative. About 2 weeks later my co-signer called me in regards to harassing phone calls happening multiple times a day in the mornings at about XXXX straight through the evening until XXXX. These calls state that I am past due on my payment etc. 

I explained to my co-signer that I spoke to someone and was able to place a deferment/forbearance on the account. I then called Navient again spoke to another customer service representative and explained how the week prior ( end of XX/XX/XXXX possibly first week in XX/XX/XXXX ) and the agreement that was made. 

The young woman reviewed my file and quickly apologized and stated, " I am so sorry but that person was not permitted to provide that information or that agreement to you. '' I was immediately irritated and asked what do you mean. She said they didn't know what they were doing and that this was not something they could provide me for my private loan. 

I then was placed on several holds where she informed me that there was nothing they could do to help my financial situation and when I stated then I was going to unfortunately default on my loan unless they can get my payment down to about {$150.00} a month. She then placed me on another hold and came back and said, " ok what I am going to do is set you up on a payment for 6 months of {$150.00}. '' I quickly responded that I could make that payment and set up an automatic recurring payment for the next 6 months. 

On XX/XX/XXXX that payment successfully cleared my bank account. Today,XX/XX/XXXX my co-signer contacted me saying that Navient has been calling him about me not making my {$290.00} payment. I then called Navient again and asked to speak to a rep. in private loans. Upon speaking with them she stated that my new plan of {$150.00} was denied. When I asked how it was denied because they already took my payment she placed me on a hold to speak to her manager. She then came back and told me that they would get everything corrected and I would be placed back on my interest bearing forbearance to only make the {$150.00} payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
On numerous occasions I have requested an accounting of payments made and an original signed contract from this debt collector, yet it has been over 60 days and they have not provided this information. They were send a letter and were also asked via phone. After asking via telephone the customer service representative laughed at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I purchased a used good condition vehicle from dealer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 
( XXXX ) XXXX-7876 at the same time I did Purchased a Vehicle Insurance for the vehicle Contract #  XXXX. FL License # XXXX VIN : XXXX 2011 XXXX XXXX XXXX XXXX XXXX XXXX The Financial transactions was Lien holder by West lake Financial Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This Vehicle start problems on immediately after Last Week XXXX, Leaving me in the Road onXX/XX/XXXXXXXX first week, When I took the car back to them ( XXXX DEALER ) they was informed that vehicle chain change was completed in improper procedures and the Car need a New Motor, At this Point I call Insurance XXXX XXXX, they told me one of theirs Authorized mechanics will revise the vehicle. up to today I have not received any answer or resolutions to address this incident, However I did payment for the Vehicle XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the Bank West lake Financial Services. 

The Dealer advice the Car need a New Motor and XXXX XXXX XXXX refuse to pay anything to fix the Vehicle. 

I will like juts to know in this case if I purchased a Lemon Car what are my best practice to ensure my record don't get missed up with this Financial Transactions because I won't be able to continuing a payments for a Car I do n't Drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My name is XXXX XXXX. I took my loans out when I was a student at XXXX University. I was an education major and upon graduation got a job at XXXX XXXX XXXX at which point I began to repay my loans. At the time my loans we're being serviced by XXXX. I consolidated my loans as per the advice of the company servicing my loans. XX/XX/XXXX my loans we're handed over to navient which is where they are being serviced now. I reached out several times about the federal loan forgiveness program in which I was advised I would be eligible for however after making payments all of which we're on time from XX/XX/XXXX to XX/XX/XXXX I was just made aware that I am not eligible by Navient. I received and continue to receive incorrect or inaccurate information from Navient which is now leading me away from being eligible for the student loan forgiveness program I was trying to be part of. I have tried to call the federal student loan forgiveness program to see if there is anything I can do however when I consolidated my loans apparently I needed to do so under a different loan category called direct loan. I was obviously never made aware of this when I made the decision and was never made aware of this even after I made this decision. Only now, did Navient make me aware however they also said that my 120 payments that I made which would qualify me for the forgiveness program would be reset if I re-consolidated to direct loans. I feel so disappointed that the company hired to service my loans and act on behalf of my best interest is not and did not do so when the timing was so crucial. Unfortunately, there is no company or department out there that is able to hold companies like this accountable for their lack of knowledge or for providing customers with incorrect information. It seems to me that I am not the only person that was mislead. The problem is now that according to Navient and the Federal Loan forgiveness dept, it is too late to make any changes that will allow me to be eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2019, I called wells fargo to report an unauthorized XXXX transaction in the amount of {$400.00}. The rep stated they would file a claim and that I would have an update within 10 business days. Rep also stated that a fraud investigator would contact me that week. At the end of the week I called WF and was told the initial claim was setup incorrectly and that they would need to create a new claim, rep told me I could call back in a few days for status. On XX/XX/2019, I called again and was told the claim has been misfiled again! Was told a new claim would be setup and rep advised me to put in writing that I did not initial fraudulent charge. On XX/XX/19, I called for an update and was told that a new claim was started on XX/XX/19. I did not initiate a new claim or speak to anyone at WF on XX/XX/19. After being on the phone for 45 minutes, I was transferred to the executive office where another rep told me a claim would be set up AGAIN. She placed me on hold and the call disconnected.

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