vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank fails to accurately calculate my escrow used to pay my tax bill. I also sent them my correction letter of Taxes from XXXX county to show my taxes reduced from {$7500.00} to {$6800.00}. The website after 30 days finally reflected my current year taxes to the correct amount. however, I checked again and now its back to {$750000.00}. I am constantly being overcharge for my escrow as they originally assessment my taxes at {$12000.00}!! Much higher then it actually is. They overcharge me monthly for my escrow, then issue me a refund for a portion of it. Then once again, they increase my escrow and call it ( escrow makeup ) after they just issued me a refund. 

This has been going on for over a year and I have constant conversations and secure emails with the team with no resolution.

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 2019-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
The Fedloan Servicing ( U.S. Department of Education ) is providing consumer misinformation which warrants investigation. I have called this department almost every week to attain information regarding the status of my Income Driven Repayment Plan. On the last week of XXXX, I spoke with XXXX ( XXXX ) who indicated that I had the option of not paying the XX/XX/2019 amount of {$540.00} because my forbearance ( {$5.00} ) had been approved and I should be receiving it soon. It was received on XX/XX/2019 stating the forbearance had been approve, but dated for XX/XX/2019 to XX/XX/2019. This forbearance was supposed to cover XX/XX/2019, but now I am getting different information. Today, XX/XX/2019, I was told that the {$540.00} was still due and that they ( XXXX and XXXX ) work Id numbers ( XXXX and XXXX ) respectively did not understand why XXXX would tell me that this payment wouldn't be due. If you listen to the recording, it would confirm and support everything I have stated. An investigation is urgently warranted. This could be impacting thousands of borrowers. I was disregarding and told they were sorry, but the payment still had to be paid. There is illegal activity and the consumer does not know if the information being received is accurate. The public service forgiveness representative indicated there was missing information when there was none. Another confirm that information stated missing was not missing such as the end date. I am still employed which is indicated. This is outrageous. I was not provided the information until much later and had to resubmit the form which is now requiring a longer processing time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
**I filed a ch XXXX BK in XX/XX/XXXX** I was sent a bill for over 5,000 for old parking tickets dating back to XXXX. Most tickets were under an " XXXX XXXX '' and 2 cars were not mine. I called the city to dispute and they told me to get a letter from the secretary of state stating those cars are not mine or records purged. I sent them that letter in XXXX and to this day they have not removed the tickets. My car has been booted/impounded. I got on a payment plan with Arnold Scott Harris ( collections ) who is very aggressive and refuses to send me a monthly statement or bill. So i never know when my payment is due and what I owe. 

I keep falling off the payment plan due to this and when i do they suspend me from XXXX/XXXX and put me on the boot list. Everytime I call Arnold Scott Harris back they shake me down for another 50 % down which I don't have. I have sent both the City and Collections the letters from the Sec of State showing those cars are not mine, but they go ignored and aggressive collection activity continues. 

Also, I filed a Ch. XXXX BK in XXXX which qualifies me for the City of XXXX 's " Fresh Start '' program, which waived all tickets older than 3 years. Both the collection agency and the city are aware of my BK ( I have emails proving all this ) and they have not waived my old tickets. 90 % of my tickets are older than 3 years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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:
On Sunday, XX/XX/2019 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. When attempting to start new service, the XXXX XXXX XXXX representative was gathering my information for my application and running my credit report. 

Upon the XXXX XXXX XXXX representative running my application, he received an error message to contact one of the bureaus. The representative then asked me " Have you ever been a victim of Identity theft? '' I informed the XXXX XXXX XXXX representative that I have never been a victim of identity theft. 

The XXXX XXXX XXXX representative did as requested calling the number and the representative on the other line stated my information on my drivers licence does not match my social. They informed the XXXX XXXX XXXX representative I have to contact the 3 credit bureaus. 

I first filed a police report Monday, XX/XX/2019 and when attempting to contact the 3 credit bureaus I was informed through the animated system I can not proceed as my information entered does not match my social. 

So what documentation do you need for me to confirm my very own identity so this doesn't happen again?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On Sunday, XX/XX/2019 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. When attempting to start new service, the XXXX XXXX XXXX representative was gathering my information for my application and running my credit report. 

Upon the XXXX XXXX XXXX representative running my application, he received an error message to contact one of the bureaus. The representative then asked me " Have you ever been a victim of Identity theft? '' I informed the XXXX XXXX XXXX representative that I have never been a victim of identity theft. 

The XXXX XXXX XXXX representative did as requested calling the number and the representative on the other line stated my information on my drivers licence does not match my social. They informed the XXXX XXXX XXXX representative I have to contact the 3 credit bureaus. 

I first filed a police report Monday, XX/XX/2019 and when attempting to contact the 3 credit bureaus I was informed through the animated system I can not proceed as my information entered does not match my social. 

So what documentation do you need for me to confirm my very own identity so this doesn't happen again?

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 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Today I noticed through my free credit score tracker that my score tanked 47 points due to an account closure. I haven't cancelled any accounts recently, so this seemed pretty odd to me. 

I went through my spam emails and discovered an email from Comenity Bank saying they would close my account due to non-activity. 

It is extremely disappointing that I only received one email, and that no other forms of communication such as mailed letter or phone call were attempted. 

My score has gone from " good '' status to " poor '' in the matter of an instant and that really hurts. 

I called Comenity today and they said there was nothing they could do and offered no support whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Collections Inc
State: ME

Complaint narrative:
A company states I owe a debt. I was traveling and they could not reach me. They contacted atleast 3 other people Daily that I  know and told them they were collecting a debt, How much the debit was and the company they are collecting for. Attached please find a voice message left for one of those people. They call these people daily. 
I will be contacting them today but it is illegal for them to contact others and state they are a debt collector and give them all of the debit information including amount client and saying they are a debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've asked XXXX XXXX directly as well as TWO complaints via CFPB. The company is refusing to respond to complaints both to myself and CFPB!!! This has been for months. This is not mine. I need this taken off my credit report ASAP, please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've asked XXXX XXXX directly as well as TWO complaints via CFPB. The company is refusing to respond to complaints both to myself and CFPB!!! This has been for months. This is not mine. I need this taken off my credit report ASAP, please!!!

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 2019-10-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
have contacted credit bureaus on numerious

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
First, thank you for reviewing my complaint regarding American Express Billing. 

I have spent tens of thousands of dollars with American Express and I always paid my bill on time. I misplaced the the bill due on XX/XX/19 and I was 3 days late in making the payment due date ( the bill was processed on XX/XX/19 ). On my bill due XX/XX/19 I was charged {$35.00} in fees and {$32.00} in interest. I called AMEX to see if they would waive the charges having done so much business with them and only being late this one time by just three days. They refused to accomodate me. So, I paid the bill in full ( Fees and interest included ) on the due date XX/XX/19. On my next bill ( due on XX/XX/19 ) I was charged an additional interest fee even though I paid the previous bill on time with all fees and interest. I called AMEX and the representative stated that they could not waive these additional interest charges on the XX/XX/19 bill even though I paid my previous bill in full and on time with the interest and late fee charges. Again, I explained the previous bill was paid on time, in full, including fees and interest. He stated they call this " trailing interest ''. I call this a deceptive and preditory practice that should be eliminated and never allowed to protect the public from misleading and ambiguous billing pratices. I paid off the balance ( less this " new trailing interest charge '' ) and I closed my account. AMEX continues to harass me with additional interest chages and late fees when I paid my bill in full. The original " trailing interest '' charge was {$19.00}. AMEX continues to charge me late fees and interest on the interest. The latest bill states I now owe {$89.00}. This is harassment and it's wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
never took out this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently consolidated my student loans. I had closed student loans on my credit and could not contact a particular company to verify anything because they are now closed, and some seemed to be showing up multiple times ( as it seems they were duplicated? And accounts get sold, etc ). It was the ORIGINAL COMAPNY that I took the loan out with. So, since I am trying to clean up my credit and figure out where everything is at and can not verify anything with them, I disputed some ( but Experian wouldn't let me do them ALL because they were DUPLICATED!!! ) And explained that they have been closed, they latest one since was canceled in 2011, the company is closed, I can't verify any information, I have since consolidated everything, with that and because of the time frame I want it removed from my credit. INSTEAD they update my report the NEXT day saying they closed it, everything is permanently and remains the same and as of last month those loans belong to the government. All of the information stayed the same. The open date. The close date. The amounts. But the updated date changed. And my credit score drastically dropped! I sent them pictures of the national loan data base showing them ALL my student loans and that it in fact was closed, and that All of them are in fact XXXX balances except one, the open that I consolidated. It SHOULD be removed it is over 7 years old and they COULD not have verified that from a closed company! They LIED. how did they get that information in 24 hours from a closed company, or the government? They have everything they need from me to update and remove it and raise my score accordingly. They are damaging my credit for no reason. For accounts that were opened 10/ 8 years ago, and are currently consolidated. There is no reason for it. What they're doing is fraud! The only thing I can think of is them getting there information is from my national loan data base is it has a date ( of last month exactly like they put, too ) that said interest owed. But they obviously did not do their research to see that its closed and the balance is XXXX! They're did not investigate properly at all and are ruining my credit more when I am trying so hard to raise it and move forward with me life.

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 2019-10-03 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: Nelnet, Inc.
State: FL

Complaint narrative:
NelNet refuses to properly apply my principal reduction payments on my student loan. Every month I make payments beyond the minimum payment due, and generally pay ahead by at least three months. 

On XX/XX/XXXX, I was paid ahead until XX/XX/XXXX. I made a {$1000.00} payment and checked the " do not advance due date '' box. My understanding was that the {$1000.00} would go directly to principal. 

On XX/XX/XXXX, I made another {$600.00} payment. I again checked the " do not advance due date '' box. 

On XX/XX/XXXX, I logged into my account online, and saw that, of the {$1000.00} XX/XX/XXXX payment, {$150.00} was applied to interest rather than principal and, for the {$600.00} XX/XX/XXXX payment, the entire amount was applied to interest with XXXX going to principal. Again, at the time of the payments I was paid ahead by five months. 

On XX/XX/XXXX, I spoke to two NelNet representatives - a customer services representative and a supervisor named XXXX. The representative informed me that NelNet does not allow principal only payments, even when a person is paid ahead. I questioned the legality of that practice and asked to speak to a supervisor. The supervisor XXXX confirmed that NelNet does not allow principal only payments, even when a person is paid ahead. 

NelNet 's refusal to properly apply my principal reduction payments obviously benefits them as they charge more interest. Over the last twenty years, I have taken out car loans, mortgages, and other student loans -- I have never before been refused the right to make principal only payments when I am paid ahead of my monthly installment payments. I find NelNet 's conduct particularly egregious given that the company services federal student loans, which are purportedly in existence to help finance the education of Americans who, like me, otherwise could not have afforded the cost of tuition and who have struggled for years to pay off student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Information on my credit report that are not my items are listed

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 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
There is a serious mishandling of our escrow account. The mortgage payment on our house is originally {$1400.00}. We bought our own Flood insurance policy for our house in XXXX XX/XX/XXXX and submitted the documents to Specialized Loan Services so they would have them on file. This Flood insurance was paid in full by us the homeowner and so there would not be a payment that would come out of our escrow account to pay for it. Specialized Loan Services still ending up sending out a payment to the Flood insurance company from our escrow account which put us into a deficit. We spoke with them on Mon, XXXX XXXX to let them know they had made and error as we had already paid our Flood policy in full. They should not of made a payment and they would need to credit that amount back into our escrow account. They had us pay our regular payment of {$1400.00}. Specialized Loan Services said it would be fixed it and it would not affect our mortgage payment. We then received a letter from Specialized Loan Services in XXXX that our XXXX mortgage payment would be {$1600.00}. due to the deficit in escrow. We called and spoke with them on Tue, XX/XX/XXXX and they told us they would run an escrow analysis and to just go ahead and pay the {$1600.00}. They assured us they would have this issue fixed by the time our next mortgage payment came. We again have received another statement that our mortgage payment for XXXX will be {$1600.00}. We called them today XX/XX/XXXX to discuss the errors in escrow and it seems this company just can not get it together. They never ran a new escrow analysis when we spoke to them last like they said they would. The company said they would really run it this time. I can not afford to keep paying an extra XXXX $ a month for their errors. I am on a tight budget as it is and I am afraid I will not be able to afford my mortgage payment this month if they can not fix this error.

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 2019-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
PennyMac, LLC claims to have interest in the property held in my name. I am a veteran and the property was purchased through a VA loan program. I am also XXXX XXXX from a tribe that holds it's sovereignty separate from the United States. PennyMac tried foreclosing on this house in XXXX and was unsuccessful through the state courts. This case BELONGS to the federal district due to my native status. XX/XX/XXXX PennyMac claims to have purchased the house for {$220000.00} and transferred the title to " XXXX XXXX XXXX , c/o PennyMac Loan Services . '' After the forensic audit was done on the mortgage and instruments it was found that the loan that PennyMac claims to have issued is VOID. There is no promissory note and since everything was filed through MERS there is no valid chain of custody for anything documenting the loan. This mortgage was sold into a MBS fund illegally after the closing date of the fund, which again makes the mortgage void - essentially turning the mortgage into a stock and can not be reverted back into a mortgage. By the auditor 's calculation, PennyMac and several other " loan servicers '' have been paid multiple times via this mortgage and continue to make money thought the stock into which it was sold. Since no company, especially a SERVICER such as PennyMac, can not prove ownership nor lending of any funds at all the mortgage is on at least four points VOID. All of these arguments would need to be satisfied by a Federal CourXXXX in which my tribe is named as a a defendant and loan proven to be issued by PennyMac Loan Services , LLC . None of this can be shown true in a Federal Court. I have overwhelming evidence to support everything I've stated and demand that PennyMac follow the FEDERAL LAW that applies to my house and this situation. Everything PennyMac has done, including harassment, violating/ignoring law, and abusing court process is illegal and the foreclosure that they have brought falls under all of these categories. PennyMac has received many letters from me demanding proper documentation on the loan, cease and desist demands, has been notified in writing of all the laws that protect me and my property and is fully aware of my veteran and native status.

Company response to consumer: Closed with explanation