vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
my name is XXXX XXXX. I am in desperate Need of emergency assistance. My friend of 18 years XXXX XXXX XXXX is and continues to be abused, punished, tortured, manipulated -- and illegally slowly forced to XXXX I am a XXXX -- currently unable to pay for renewal -- my friend XXXX is an XXXX -- who is a XXXX veteran a XXXX man with 20 years -- and a former postal XXXX of 20 years is being forced to die. I physically went to elder abuse and social services -- to report that his son XXXX XXXX XXXX and his daughter XXXX XXXX XXXX with her boyfriend XXXX XXXX are forcing extreme abuse. They have committed fraud through his home through XXXX and XXXX XXXX -- WHO ARE CONTINUING TO ABUSE ME THROUGH A PROPERTY I OWN IN XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- this is severe fraud that property through my XXXX  XXXX XXXX XXXX and XXXX my sister and theft and fraud please help me and XXXX I am at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX being forced to die illegally also through utility and gas control -- the police and courts are involved in the fraud please help severe theft throught phones, mail banking etc,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: TN

Complaint narrative:
I have paid over $ XXXX this year and my balance does not drop because when I pay additional above my payment the company will not apply it to the principal balance. Even my mortgage company does not do this. How am I ever supposed to pay the loans off when I 'm paying $ XXXX in a year and see no reduction in my balance? This is a predatory lending practice and should not be allowed - especially with student loans. NelNet is the company my loans are with right now. They refused to apply my extra payment amount differently or provide a refund so I could apply it to different debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.

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 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX XXXX XXXX and the trucking company they guided me to.

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 2017-10-17 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
HI, today XX/XX/XXXX I wrote a complaint about XX/XX/XXXX I am looking forward to a response. I must continue to write because I know CFPB and I will get some results. My student loans belong to my children I am the cosigner. these loans were used at XXXX for XXXX my dau in XX/XX/XXXXand at XXXX in XX/XX/XXXX for my dau XXXX. There is a 3rd connected to me but disbursed to my nephew XXXX XXXX in XX/XX/XXXX for XXXX, I never ever agreed to or signed for the loan ; of course it was an esignature ; I am currently filing fraud charges on this loan. Here is another problem the loan for XXXX is in wage garnishment with a third party XXXX as of XX/XX/XXXX monthly in the amount of {$660.00}, but this loan is also included in a consolidation that I will repay starting XX/XX/XXXX monthly in the amount of XXXX, I think or in the area. I have talked to Navient and FAFSA they do n't help because they are unwilling. I sincerely await a response. Thank you for your!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.

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 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a rehab facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.

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 2017-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
After having XXXX in XXXX XXXX, I received numerous medical bills. I paid all the bills I knew about. Sometime between XXXX and XXXX XXXX I received numerous phone calls each day from the same number. The caller would never leave a voicemail for me to determine the purpose. When I answered the call, the caller stated they were from an institution I had not heard of and that I owed money. They would not discuss the debt with me until I confirmed personal information. I requested their company name and phone number so I could confirm who they were and that it was not a scam prior to providing my personal information. They were not cooperative. I did not hear any more about this debt until my credit was pulled for a new home purchase in XXXX XXXX. This was a stagnant account for a year and a half. I was not contacted in any way during this time. Now, after a year and a half, the debt was sent to collections and last week I was finally told this was a legitimate debt and not a clerical error. I want to pay this bill but have not had cooperation with getting the claim off of my credit history once paid due to the communication being poor about the debt initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX 2017 I called regarding the annual fee that I WAS NEVER R TOLD ABOUT when I called the company to get a credit card for the first time. The representative approved me over the phone but he never said anything about an annual fee ... Fie the past couple of years I have called and have explained the situation and the representative had been able to waive the annual fee Tonight XXXX XXXX employee number XXXXRefused to waive the annual fee that I was never informed I had to pay when I was offered the card over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX issues and could no longer drive or work to make the payments on the car.I lost the ability to XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost two XXXX in my XXXX XXXX. They just XXXX. I now have XXXX and XXXX and XXXX and XXXX holding me together. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story

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 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This last year, XXXX XXXX, I took a trip to XXXX with my friends. On XXXX XXXX, XXXX we went to a small textile shop where they sold shirts, rugs, linens and such. I bought myself a couple of silk shirts for {$110.00} using a Wells Fargo Credit Card. The store ran the card and had me sign the receipt. When I returned home, I noticed on my statement that there was an additional transaction for {$2600.00} which I had not made. I contacted the fraud department at Wells Fargo bank and was eventually told that they denied my claim for fraud. They had reviewed the transactions and the receipts and claimed that I had made the transaction since my signature was on both receipts. I requested copies of the receipts and clearly I did not sign the receipt for {$2600.00}. The signature was not mine. I tried explaining this to the bank but they still denied my claim. I am amazed that the bank, which has my signature on file and on various documents, could n't come to the same conclusion regarding the nature of the fraudulent signature. I made various attempts to which the bank refused to help me. I have sent letters to the bank signed by the friends that were with me testifying that no such transaction was made by myself. I myself testify under perjury that I made no such transaction.

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 2017-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I needed to reschedule the date of my payment to correspond with my payday on XX/XX/XXXX so I would have the proper funds in my bank account, to do this I needed to cancel my auto pay and re-setup the payment with the new date. I requested the auto pay cancellation on XX/XX/XXXX and received a confirmation email of the request. I logged onto the website and it showed no pending payments so I was under the impression that auto pay stop had processed. Navient then proceeded the withdraw the full payment on XX/XX/XXXX, the original date of the auto pay that should have been cancelled. I have three different types of loans with Navient so the billing is processed in three payments, each payment overdrafted my bank account and incurred a {$35.00} fee. I informed Navient of the error and was advised that the auto pay cancellation was submitted properly and was an error that the payment went through. I was asked to submit documents to confirm the fees, which I faxed to Navient on XX/XX/XXXX. When I did n't get the callback that I was promised when the review of the documents was complete, I contacted Navient again on XX/XX/XXXX and was advised that all the required documents were received but we 're never reviewed. A supervisor reviewed my account and the documents with me and confirmed their error and that they would be reimbursing me for the total {$100.00} in overdraft fees. The supervisor advised he was processing the payment and the funds would be deposited into my account in 6-10 business days. When I did n't receive the refund, I contacted Navient again on XX/XX/XXXX and was advised by another supervisor that Navient 's finance department denied the refund because there was no error on there end causing the overdraft. I explained the prior supervisor conversation to which the supervisor simply stated the prior supervisor was incorrect and did n't have the authority to approve the refund. When I explained they are estopped from denying a payment that they already approved and advised they were issuing, the supervisor stated they would resubmit the request for review to the finance department but that I should n't expect the refund to be approved, and I could follow up in 7-10 business days to find out if it had been denied again. Whether I am being lied to or just given false information, this is incredibly unprofessional and unethical and I seem to be getting no where with Navient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 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: FL

Complaint narrative:
All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX XXXX and could no longer drive or work to make the payments on the car.I lost the XXXX XXXX XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost tXXXX XXXX XXXX XXXX XXXX XXXX. They just XXXX. I now have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story

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 2017-10-18 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: FL

Complaint narrative:
All XXXX credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious back issues and could no longer drive or work to make the payments on the car.I lost the ability to walk. Had to go to a wheel chair for almost XXXX years and through pain management for XXXX XXXX before i lost XXXX disks in my lower back. They just disintegrated. I now have nuts and bolts and rods and screws holding me together. This can all be verified. I had to have major XXXX in XXXX XXXX of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story

Company response to consumer: Closed with explanation