vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
Company has not provided me with ORIGINAL contract or validation of debt. The debt is 6 yrs old and placed on my credit report sometime last week. I have no knowledge of this debt. The company responded, however the most important questions were avoided! Will I receive a letter of validation? The ORIGINAL Contract? Their entire statement avoided those questions. This company ( Midwest ) and whoever the consumer is NEVER contacted me via telephone nor mail! So their statement regarding contacting me was untruthful, and as a business they are conducting unethical practices. I demand that it be deleted until validation is received. Further actions will be taken. I will not stop until I get the proper answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Two years ago I changed my checking account to avoid fees. At the time of this change, it was suggested by the bank employee I open a second savings account. I did so and was not aware the account would be subject to fees if the balance reached a certain level. As I NEVER used this account, I did not pay attention to fees being levied until I started receiving low balance alerts a couple months ago. When I finally reviewed the account, I found I had been charged a monthly {$12.00} account fee for eleven ( 11 ) months : total {$130.00}. 
Today, I contacted the bank as I was out of country for a period. The agent offered to reimburse me for six months of fees at 75 %. This resulted in a credit of {$52.00} ( I 'm not sure of the math on this ). The account is now closed. 
By my calculation, I overpaid {$130.00} in unnecessary fees. Less the {$52.00} credit, I am out {$75.00}, thus this complaint/claim.

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 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
Dear CFPB - As of XXXX/XXXX/2017 my fixed rate home loan which is being Serviced by Mr. Cooper of XXXX XXXX XXXX XXXX, XXXX TX XXXX is transferring my loan to XXXX XXXX XXXX XXXX. 

This was done without notice before the transfer and upon calling the customer service center the agent refused to offer any help and tried to push a refinance. After being told multiple times that I had no interest in refinance, the agent continued to push that option, which was unacceptable. ( Agent ID - XXXX XXXX ) Consumers should be given a choice in who is servicing their home loans, specifically, we should be able to NOT chose to do business with a company such as XXXX XXXX, especially given the fact that company has been called to testify in front of congress for illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXXbecause of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
Avant Double Billed me. They promised to take my payment that I payed early and apply it to my loan. I have used this pre-pay process in the past, with success. For some reason, this time they billed me. They used the payment I payed, along with the monthly draft. The second payment overdrew my account. There were 5 NSF fees for other charges that were outstanding. The bank would n't refund those moneys. The amounts however were payed since I have an agreement with the bank to pay if I have direct deposit and an overdraft in my savings. I called Avant to get a resolution. They promised me in 8 business days the money would be refunded to my account. Then a few more days went by. I did n't receive any information. I called repeatedly. Still, promised the money would be refunded so my NSF 's would be refunded by the bank. After 21 days have passed, I finally called and they said my request was rejected. I could n't object, or appeal to their refusal process. I was slightly disappointed. Nevertheless, I contacted my bank to alert them of the possibilities that this company may be taking money out of the accounts of the persons they do business with, without their knowledge or consent, or reversing mistakes that may have possibility happened as a result of their procedures, or as a result of electronic malfunction. Unfortunately, others should be made aware that their processes allow for these types of mistakes, which can result in many over draft charges, and other types of fees that a person may normally not expect. With the addition of these new fees as part of the responsibility of taking out a loan with XXXX, I thought it pertinent to share my experience with the BBB. Although they have an A+ Review, taking money out of a person 's account unexpectedly is the new norm. It 's unfortunate, but true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
From day one when I tried to make a payment, they repeatedly yelled foreclosure. Then only after saying Id report them to a federal agency did they accept a payment. 
I got behind, and they sent a PREFORECLOSURE statement to me. But in their report they noted payments that were for months that had not even came yet!!! ( see document ). 
I reported them to your agency and they said they would work with me. They said they would allow the payments to continue, but I had to pay their LAWYER fees for the foreclosure process. I asked them to extend the time to pay back the money, but they said there was a LAW which said they could not do that, They demanded {$1200.00} down and {$600.00} per month for 12 months and said if I missed one payment they would foreclose. I was paying about {$330.00} before. So they almost DOUBLED the amount of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been affected by the Equifax Data Breach and Equifax has denied me access to my file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: LA

Complaint narrative:
I have contacted Transunion multiple times via phone and mail regarding unauthorized inquiries on my credit report. I have not given any company permissible purpose to check my credit. I have not be able to resolve this with Transunion, I have notified them several times that I did not apply for any products or services. By reporting these Transunion is violating the fair credit reporting act. I was able to resolve this issue with both XXXX as well as XXXX. These inquires should be removed as soon as possible due to inaccurate reporting. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have bean consumer for chase bank for long time. on XXXXX/XX/2010 chase closed all my account. I try very hard to know the reason. I never got the reason for that. 6 month ego friend of my. witch she open for me home equity loan. she explain to me. a company under name wide world.witch going law suit for five years. opened a account under my name. and thy do. not legal transaction. no one info me about that. I am stile have closed account. for 13 years I paying monthly payment. I asking to open my checking account my three credit card and my equity loan. I cant pay my bill. the chase bank no take cash. for me this is not easy for to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I received an offer in the mail from Big picture loans and applied using their website on XX/XX/2017.  After being approved, I was provided with the rate and terms which were as follows. 

{$720.00} loan with an estimated APR of 558.4082 % and a monthly payment of XXXX for 13 months. 

This morning I received an email stating that my loan was being processed and I sent this responce. DO NOT PROCEED WITH THIS LOAN REQUEST!!!! 
I have no intention of utilizing your services regarding this loan as the rates quoted at the end of the loan process are at the very least predatory and more than likely criminal in nature. My experience with your firm is being forwarded to the appropriate State and Federal agencies for regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: MD

Complaint narrative:
FedLoan Servicing is miscalculating payments in order to increase its profits at the great detriment of the borrower. By way of example, note that a payment made on my account on XX/XX/XXXX, was assessed {$46.00} in interest - in other words, per diem interest for Saturday, Sunday, and Monday. That payment was correctly processed. I subsequently made payments on Tuesday, Wednesday, Thursday, and Friday of that week such that no interest would carry over into the weekend. Accordingly, one would expect that an identical payment made on Monday, XX/XX/XXXX, would result in, at a minimum, the same interest payment, or more likely a smaller interest charge - not with FedLoan Servicing. They improperly assessed an interest charge of {$46.00} without explanation, notice, or legal authority. Upon information and belief, they have been cheating borrowers in this and similar manners for years. All inquiries for explanation have been ignored. Please investigate. 

/s/ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX andXX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Complaint : Both the Accounts shown below were settled in NJ XXXX order in XXXX XXXX, I made the final payment of ( approx {$4300.00} ) as ruled by NJ XXXX XXXX, this collection should be settled based on that court settlement and reported as settled. The court case was filed by the Apartment company, with who I had a dispute about XXXX terms. The name of the Apartments company is : they have 2 names : XXXX XXXX XXXX XXXX XXXX 1. 
Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date Opened XXXX/XXXX/XXXX Status Collection account. {$4300.00} past due as of XXXX XXXX. 


2. 
General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. 

This specific Apartments company called XXXX XXXX XXXX XXXX XXXX A O XXXX ) is notorious for cases and claims in Northern New Jersey they have multiple consumer complaints going on against them. 
They are crooked and very unethical Apartments rental company. when I was living there multiple cases with tenants were ongoing.

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 2017-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet has two accounts showing several late payments on my credit report in 2012. I contacted their office over 45 days ago, with no response from Nelnet, which is a violation of my FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
We had a mortgage with New York Community Bank for almost 27 years. 
It is almost paid off. Throughout the years I have been back and forth with NYCB regarding my escrow account. I wanted them to do an audit as I explained there had to be an overage each year. 

They said there was no overage and they already looked at out account. This year the mortgage was sold to XXXX ( XXXX XXXX XXXX XXXX ) I called them during the transition and explained my concern. 
They said they would audit it and they did. We received a refund check for the 2017 escrow overage amount {$1300.00}. 

I want to request NYCB to investigate my mortgage account and refund all overages due. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am currently repaying a XXXX XXXX student loan of {$4000.00} ( Loan Group Number XXXX, Customer Identification Number XXXX ). I receive monthly statements from XXXX XXXX and make on-time monthly payments of {$82.00}. Recently, I have been receiving intimidating phone calls and letters from Navient regarding this student loan account. These communications threaten default actions against me for failing to make payments for the very same student loan for which I receive XXXX XXXX monthly statements and for which I continue to make monthly payments. I have spoken with Navient about this issue on more than one occasion, but they have not corrected this conflict within the billing process. As I understand it, Navient is a company that split off from XXXX XXXX in 2014 to take over XXXX XXXX 's federal loan servicing business and now handles the billing process. Apparently, some flaw in the corporate transition related to the handoff of student loan information between XXXX XXXX and Navient has created the situation I have been facing. This flawed condition in the NavientXXXX XXXX transaction must be remedied to end the Navient intimidating letters and phone calls and to prevent further unjust treatment of the victims of this flawed business transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXXon my credit card accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I have had a VA mortgage for 7 years with Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Lender NMLS ID : XXXX I am constantly badgered by mail, phone & email to refinance. All notices are unsolicited & I have spoke w/ several agents to announce my desire to be left alone & that I am not interested in their services. 
Make them stop!!

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 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times inXX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX payment was made of {$3500.00} .. then they done a payment correction of {$3500.00} on XX/XX/XXXX..they added {$3500.00} to my balance,, I called they told me they would correct this.. then again they did a payment correction of {$3500.00},, when they did the correction they added {$7000.00} to my account .. i called 4 times they told me my XXXX went to another account i have no other account?? with interest charges and other fees my balance went from {$3200.00} in XX/XX/XXXX to {$1100.00} in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I want to get this fraud off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
We have a loan for a vehicle that we have been attempting to make the payments on, and we continually receive calls, even after payments have been made. On XX/XX/XXXX, we made a payment of {$4000.00} of the {$12000.00} remaining balance. We had a past due balance of {$1000.00}, which would have been plenty to cover the past due amount. At XXXX XXXX on XXXX/XXXX/XXXX, I received a call from Fifth Third Bank employee stating she was calling regarding the past due amount. When I said she needed to check my account, as I made a payment last night, she stated that they can not check the accounts before the calls are made. She also stated that the only way to stop the calls would be to contact the bank when we make a payment, or make the payment early. I feel this harassment has to be checked into, as I feel that is not right nor fair to me to have to explain to the bank that I made a payment when they have access and can check their system before calling.

Company response to consumer: Closed with non-monetary relief