vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX 's website is non-functional for me. I had a username and password. They redid their site and my old sign-in did not work. I have tried more times than I can count to sign in with what I have recorded or to use the " forgot username '' or " forgot password '' function. I have tried to initiate a new account. Nothing has worked. There is a phone payment function but today it took me THREE CALLS for it to finally get me to the right place and accept my payment. My time is quite valuable, so it can be argued that such trouble costs me up to hundreds of dollars each time. I have spoken with customer service and have emailed complaints SEVERAL times. I always get an email back saying I will be contacted to resolve the issue and I never am. Today I was frustrated to the point of calling my former mortgage servicer and inquiring about a refinance. It could be easily done but the cost involved makes it impractical. As bad as I want to be rid of Franklin American, I do n't wish to pay thousands extra to do it. I think they should be forced to repair the problem and compensate me in some way. I do a great deal of banking and purchasing on line and can honestly say I have had nothing close to this level of difficulty. The problem has persisted for over six months 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 explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Ive made one attempt to dispute my debt, due to financial strain. I was informed that only one of my bills could be lowered and the other would stay the same and would need to be paid immediately. I was told that if I am unable to pay immediately the chance of getting my bill lowered to the same price would be unlikely. Im unfortunately still finincial unstable and paying those prices upfront isnt possible for me at this time. I would appreciate it if my bills were lowered and/or forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: NM

Complaint narrative:
I received an offer in mail about a credit card loan consolidation offer. They had my outstanding balance and average credit card percentage listed. The offer listed a offer for a lower rate along with my propossed new monthly payment should I accept the offer. The proposed new montly payment was much lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Coinbase " temporarily disabled '' our bitcoin account on XX/XX/17 and we have been unable to access the account since then

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX, 2017 XXXX, WI XXXX ( XXXX ) XXXX This company make a hard inquiry without my consent. I call the number XXXX to verify why my name a social has been used to make business. They say " we are allowed to make hard inquiry on future costumers '', so who gave you the permission to do it because so far my social security number, name and address are not located in a billboard?. So basically they do as the please and your score goes down 9 points.

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 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XX/XX/2005. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and didn't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
cra violation wells fargo has caused me to bounce checks with atleast the other banks also my apartment complex giving my provisional credit and taking it back i have showed them on several occasions that my computer was stolen police reports and this still has not been fixed charging me non atm which is unfair by their practices they open up accounts before in the past and still have not settle that case How many times would they like the see the police report i sent on several several times

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a member of Wells Fargo since 2004, and have not, until recently, had issues to the extent that I have had with the company. I have chosen to handle the majority of my banking online for convenience but also because the employees working at several of the locations I have visited have been extremely unprofessional while handling my account. For example, I have had tellers read my personal information out loud while handling transactions ( i.e. current balance ). The company has also been uncooperative while dealing with automatic payments on my account. I submitted a request to have a payment stopped until I could research the company taken the automatic payments out of my account. However, Wells Fargo refused, and insisted on the continuation of the withdrawals refusing to negotiate via my online account. More recently, the company fraudulently submitted several transactions sending my account into the negative. The company refuses to acknowledge that these charges were fraudulently placed on my account, and does not give the option to dispute online. I have reached out to several representatives to no avail, and have been misguided and misdirected. The bank also deleted several emails sent to me from representatives in regards to my account. One email was from a representative strongly suggesting that I  do not dispute the charges and that I call rather than email. The email was threatening and suggestive. Several other emails contained messages that they would not stop the automatic payments.The recent transactions are fraudulent, I am now concerned regarding my vulnerability to the company as they are using my personal information, and the company 's refusal to assist with the discontinuance of the automatic payments is unprofessional and unethical.

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 2018-01-17 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: PA

Complaint narrative:
Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.

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 2018-01-17 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: PA

Complaint narrative:
Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: CT

Complaint narrative:
XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a  charger of XXXX was posted to my Credit report from XXXX XXXX XXXX  on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This is a follow-up from a previous complaint ( XXXX ) that was closed, but not resolved. National Credit Systems continues to falsely report on my credit file for XXXX and XXXX. The last response from this company was that they would forward me valid documentation as proof of an alleged debt truly owed to them. I have yet to receive such documentation. Either 1 ) they never sent it or 2 ) They sent documentation to another party and they are reporting the debt under the wrong person. 

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.

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 2018-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. Later I was talked into deferments ( after harassing phone calls threatening my mom they were going to take everything she had ) then I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now XXXX XXXX XXXX XXXXXXXX Minnesota is closed. I am looking into further action with a lawyer at this point if action on this isnt satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: NY

Complaint narrative:
My issue is with you as a Protection agency who is suppose to protect people from bad business practices and 11 years later, it seems that you are probably no more than an F with the BBB. Come on, the student loan SCAM has been going on for years and it still persists and the big question is why. The answer ... $ $ $ $ . There is no other way to look at this. People are sited all over the web on different sites explaining their personal stories and how theyve been misled and stalled when trying to address their problems and the shame is that they have to lean on you ... a created government body to help. Imagine that. Another government body that we have to use to get this done. When I used you for another company issue, you sent my complaint to the company and took their response, closed the case and that was your job completed. What a shame. Do something about the student loan scam since that was why you were created in the first place ... to go after businesses that XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good afternoon, I had a XXXX credit card account which I closed for bad customer service back in XXXX. In XX/XX/XXXXI started to receive calls from their Collections department that I owe money on the card. I was on the phone with different representatives from fraud department, security investigations, and disputed the charges that appeared on my card as I was not familiar with. Since then I am told that charges are either taken care off and are disputed or other times when I call Im told that I accepted the charges. I keep telling the representatives that I did not accept the charges and I want to have them disputed. Every time I call I ask for the representative name, id no. and department. Sometimes I get the name but the ID number I do n't. Sometimes I get disconnected. Other times I get a fake id no. 
Here are some of the times I called Citi and after long hours on the phone nobody helped me. 
1st call I registered with the Fraud Dept I spoke with XXXX XXXX On XX/XX/XXXX I also called them on XX/XX/XXXX & XX/XX/XXXX and was told fraud claims is handling the problem. No id or name was given. 


I also spoke on XX/XX/XXXX with XXXX from Collections. 
Dept XXXX Then got transferred to Fraud- XXXX XXXX - fraud Dept Id XXXX XXXX- XXXX ( who gave me a fake ID ) Told me to call onXX/XX/XXXX as will be taken care off. 

I called on XX/XX/XXXX spoke with Collections then fraud. 
ID no Fraud Department XXXX then XXXX XXXX ( fake name and id as onXX/XX/XXXX the representatives told me that id no does n't exist as the people that spoke to me she sees their ID numbers to be XXXX and XXXX. 

Collections called me after I told them to put me on their Do not call list, on XX/XX/XXXXSpoke with Id XXXX, XXXX who transferred me to XXXX after I requested a supervisor. 

XXXX 's info is Id XXXX and she 's with Collections Department. 
She told me she ca n't help me and she is not allowed to stay on the phone with me while I talk to Security Department/Fraud then transferred me to XXXX, ID XXXX XXXX said other department will help me and transferred me to Security Investigations department. 

XXXX Security investigations department Got transferred to XXXX who did n't want to provide her Id no.and hanged up the phone prior to finishing the conversation. 

I called back on XX/XX/XXXX at XXXX XXXX and spoke with XXXX ID XXXX who said he ca n't provide email or any other info and told me I will be called bac

k tomorrow. My almost perfect credit score is down over 120 points and t
his is affecting my tremendously.

Please help as I am not getting any help from CitiBank Thank you, 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 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KS

Complaint narrative:
We purchased a home through XXXX in 2015. We never missed or was late with payments. We later learned they transferred the mortgage to Roundpoint Mortgage Servicing. Again, we have never missed or been late with payments. If this is a " mortgage servicing '' company, do they own the mortgage or are they servicing it for XXXX. Neither will answer this question. The problem is Roundpoint is rude and difficult to deal with. They charge {$10.00} fee for using the automated system, which is absurd, but we used it once to make sure we were not late with the payment. Now they have sent us a threatening letter saying they will our bank information anytime they wish. I have explained to them we are calling our bank and blocking them from charging our account any further as they have they payment and {$10.00} fee. I only authorized a one time fee but they seem to think they can take whatever money they want. Most important - who owns the Mortgage?

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