vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
Sallie Mae is making it extremely difficult to enter a repayment plan for my student loans causing undue stress and financial hardship. I began repaying my student loans, in full, 6 months after I graduated. I was an entry level employee with the federal government and lived at home with my parents. Even then, my total student loan payments were causing financial burdens. I inquired about repayment plans and was told I should try to lower my interest rates by activating automatic payments. So I did. I didnt see much of a change to make them more affordable. That was 3 years ago. I have now farther advanced in my career, in the field of which I studied in school, and my job became more demanding so I had to make geographical relocations and take on more financial responsibilities. Even though this was even more of a financial adjustment than previously, I continued to try to pay my student loans and was able to enter an income-driven repayment plan with my XXXX student loans. I inquired about income -driven, or any, repayment plans/options Sallie Mae offered and I was told my only choices were to now defer my loans, ask a co-signer, or consider filing bankruptcy. I was forced into deferring my loans. Sallie Mae explained they would only allow me to put my student loans into forbearance for 12 months, for the lifetime of the loan. I would accrue interest during that time. After watching my principal balance increase drastically in just a few months, I decided to inquire about repayment options again and cancel my forbearance period. They told me the only way I could even be considered for a repayment plan would be to allow my loans to become delinquent. I called multiple times to speak to someone about this and they all advised me to do the same thing. So, ultimately this company wants you to allow your financial situation to get worse, have your credit score take a hit, on top of cause undue stress, just to enter a repayment program. Making someone pay {$1400.00} a month for private student loans when they make less than {$2500.00} a month is robbery. Their representatives are very unhelpful and it seems as if that is this companies motive. I know they allow them to say certain things and tell them not to offer/say certain things. This is an extremely unethical way of conducting business and as a large stake holder in student loan debt in America, the federal government should hold companies such as these to higher standards. Especially for the greater good of the American people that simply wanted to afford a better life by going to college.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trust Financial LLC
State: MT

Complaint narrative:
An individual authorized to speak on behalf of the consumer contacted the company on XX/XX/2017 after discovering their claim against the consumer during a regular check of the consumers bureau credit reports ; the company had never attempted to contact the consumer previously. During that initial contact, formal request was made for validation of the debt. After a month without any further contact, including validation, from the company, complaints were filed in late XX/XX/XXXX with the three major credit bureaus. The company responded to several of those complaints, claiming that the debt was valid. A subsequent claim was filed against the company by the CFPB and responded to by the company, who again alleged the validity of the debt. However, because validation of the debt was requested, the companys reports to the CFPB and to the credit bureaus which allege the debts validity are illegal due to the companys failure to provide validation of the debt. This continued reporting of the unverified debt constitutes hostile and malicious attempts to damage the consumers credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reporting 90 day late payments on two accounts beyond 7 years. Late payments from XXXX reporting on accounts. Please see credit reports attached.

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 2017-12-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: AL

Complaint narrative:
XXXX XXXX, XXXX {$3500.00} Apartment XXXX on the XXXX Collections Company : Innovative Recovery In ... ... .. 
XXXX Misleading information upon move in! I was told by the apartment agents that if I left the apartment, that my deposit of around {$2000.00} would be kept. I told them I would be moving out and not staying the next month. I was never told about an additional penalty when signing the lease on the apartment nor prior to move out. I did not over stay the month that had already been paid and the apartment complex still kept my {$2000.00} deposit. This {$3500.00} charge is ungrounded and was never stated by the agents working in the apartment complex at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I 've filed for loan modification after a chapterXXXX bankruptcy. BankUnited erroneously claimed that I surrendered my homestead property to deny the modification. 

Further BankUnited blatantly ignored the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 4121 et seq. ) after Hurricane Irma which imposes a mandatory 90-day moratorium to the initiation of foreclosures and the suspension of all foreclosures already in process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a line of credit from Synchrony bank in XXXX of 2017. I was not notified of payment dates and when I contacted the bank I learned that {$200.00} was added on to the principal up front. The origin amount of the loan was approximately {$5600.00} and the amount that I owed Synchrony less than a month after the loan was given was approximately {$5800.00}. I also learned there was a {$10.00} fee to make a payment with person VS. an automated system. The automated system only gave the option to speak your answers and got my my information incorrect 4 times. I paid the loan off in order to protect myself from any further fees that may be added to the loan.

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 2017-12-06 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I did an online purchase at XXXX XXXX XXXX for a sofa. Their website stated that they would charge a 50 % deposit once the order was confirmed by the local store and a swatch of the material was delivered. Instead they posted a pending charge for the full amount. I asked the eCommerce site to delete the hold and they did not. I asked Citibank to delete the hold and they stated that they could not do so, I can not do so, only XXXX XXXX XXXX can do. However I can not get anyone in XXXX XXXX XXXX to make the call to Citibank. In the meantime they placed an additional pending hold again for the full amount so now my credit line is reduced by XXXX. I cancelled the order and XXXX XXXX XXXX says the pending holds should drop off in a few days. They refused to make a call to Citibank. This is not acceptable. Credit card customers should be able to instruct the card company to delete pending holds. It is outrageous that we do not have control over that function. I need to buy new XXXX XXXX and the reduced credit line is preventing me from doing so. I need this fixed 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 2017-12-06 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: PA

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Experian in regards to them reporting a public record in my consumer file. They responded as they provided me with the data furnisher of the information which was XXXX XXXX. I had contacted XXXX XXXX in regards to this matter to find out where they received this information and why it was being reported to Experian. The customer service agent, XXXX, told me they did not provide any information to Experian as my information is currently suppressed due to identity theft a few years ago. I had contacted Experian by phone on XX/XX/XXXX and again was informed that Experian verified this record with XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I had then called XXXX XXXX back and spoke with a customer service supervisor, XXXX, who again assured me they did not verify this public record on those dates to Experian and reassured me that any information they may have on me is suppressed because of the police affadavie I provided them a few years ago. I called Experian back and was told this time they can not answer any questions for me that my file was being handled by their legal department and I would have to speak to XXXX XXXX. I am going to file a complaint with the XXXX XXXX XXXX as well.

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 2017-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I pay our mortgage using the bill pay at my bank we have paid this way every since we had the load with no problem all of a sudden we are notified of foreclosure proceedings that the payments have not been paid for 3 months the bank says that it has been paid we have had no notice that the payments were not paid at all just a court date fore foreclosure Evan though the payments were paid,

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 2017-12-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XX/XX/XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XX/XX/XXXX I was notified by credit monitoring company I had a late pay added to my file for XX/XX/XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.

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 2017-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Per our conversation with XXXX XXXX at Wells Fargo Executive department on Friday XX/XX/XXXX, I have attached the additional documents that are pertinent to resolving our mortgage matter. 

XXXX XXXX 's email to us as customers last month was " Wells Fargo is committed to making things right with our customers. '' After speaking with you on the telephone Friday XXXX/XXXX/XXXX, that is not the sentiment you expressed. You still emphasized that Wells Fargo does n't select the contractors. That is not the point at hand. 

We could not have our closing until we meet Wells Fargo 's requirement to select a contractor that meet Wells Fargo 's protocol for validation. We did not know XXXX XXXX prior to this transaction. 

I was ensured by XXXX XXXX XXXX at the Executive Wells Fargo 's department on XX/XX/XXXX, that a new pair of eyes would review our concern. 

You are eyes are not new and we believe they are tainted by the entire 203k loan department which is no longer in existence because of illegal practices. 

We request that another Executive representative take a new look at our entire mortgage application. 

First, we were first-time homebuyers and that was not selected on our application therefore we were precluded from additional benefits as first time homebuyers. 

XXXX XXXX did not explain to us that we have MIP rather he said we have PMI which is significantly different. 

The contract we signed was in-conjunction with our mortgage closing and was not a separate document between XXXX XXXX and us. 

According to Connecticut state the law the Homeowner Contract agreement is not legal nor valid in our state. ( attached ) Moreover, Wells Fargo has hundreds if not thousands of 203k loans in the state of Connecticut and we believe our State 's Attorney needs to investigate and expose the validity of Wells Fargo loan practices. 

We received from the Department of Consumer Protection that your validated contractor was  sanction a forfeiture and the Attorney General 's unit can investigate the Unfair Trade Practice Act that was clearly ignore and not upheld by Wellls Fargo. ( attached ) This has been a two year over extended abuse from Wells Fargo and XXXX XXXX 's needs to be made aware of our situation. 

We do not desire to argue with you or debate. 

We need to be removed out of the MIP and Wells Fargo needs to refinance our loan without us incurring any further monetary depletion. 

Wells Fargo 's actions against us as first time homeowners is abusive, remorseless and inhumane. 

We need to be made whole as paying customers. 

Respectfully, XXXX and 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 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Lender requires proof of flood insurance for the building ( condo ) on an annual basis, which is provided automatically by the insurance agent. Each year, lender sends a letter of reminder that they need the proof. Each year, I contact the insurance agent, who confirms the date/time the proof was sent. Each year, I then contact the lender who confirms receipt. 

Same thing this year. I contacted the lender in XX/XX/XXXX, was told by the agent they had received the information they needed from the insurance agent. 

Yesterday ( XX/XX/XXXX ) I received a letter from the lender indicating they had secured a flood insurance policy on my behalf, and set up an escrow account to handle the fee. They indicated that the policy they secured ( {$860.00} ) meant that I now owe them {$1600.00}. 

I spoke with the lender today. The agent confirms they *DID* receive the information from the insurance agent, but they still need the DECLARATION PAGE ( which does not appear on the original notice ). They have asked me to obtain and fax to them. If they are satisfied, they will look to unwind the process they went through to obtain flood insurance and bill me.

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 2017-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: ME

Complaint narrative:
In XXXX XXXX I became unemployed and asked XXXX XXXX XXXX to recalculate my payment, they did it and made the payment much higher even though our income was a lot lower due to me being unemployed. Also back around 8/2017 they approved me for a unemployment deferment, then they took it off for no reason and without my permission put me back on repayment status at a high rate, so I called into customer service and they asked me to send in another unemployment deferment and I did then they approved it which I have copies for starting XX/XX/XXXX. Why would I want it to start in XX/XX/XXXX I am unemployed now. Then XXXX XXXX without my permission put me on a forbearance for a month which is higher interest than the unemployment deferment. Also during this time with all this going on they kept changing and increasing my payment amount. Also I was on the public loan forgiveness and they have n't added any payments that I did make toward the 120 payments. They keep messing with my loan and not responding to my emails. And when I call the customer rep they tell me different stories. Like one customer rep said for me to apply for one of the income contingent payment and I would have a XXXX payment, that was not so they as I mentioned early increased my payment by double or more. I was giving a lot of misguided and false information. Also in XX/XX/XXXX they took off my parent plus loan and said it was transferred so that one loan showed transferred, but now we are in XX/XX/XXXX and they have it back on there. Why would they put that is was transferred even though it was n't. I have kept my paperwork and taken screenshots of my account where they keep changing things. I have three loans with them and the parent plus loan is one of them. Please do something about this. It is very stressful to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On my credit report it shows a auto installment loan 30 days delinquent - closed {$0.00} amount due. This information is located under my accounts as a Poor. This vehicle was a XXXX XXXX financed with Wells Fargo. The vehicle was XXXX, but is still on my credit report. I called XXXX spoke with a gentleman who transferred me to XXXX, spoke with a lady who transferred me back to the XXXX number. All I 'm getting is the run around and NO help. When I asked to speak with someone that could help me, she informed me there was no one available, but once I mentioned turning this issue over to the Attorney Generals office she wanted to transfer me to the President of Wells Fargo. 

I appreciate your help in looking into this problem, personal information listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX Unfortunately, we have a XXXX XXXX XXXX financed through Wells Fargo at this time. But it is not the vehicle I 'm making this report on.

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 2017-12-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA is showing a negative account being reported from 2012! this should not be on my report. 

XXXX XXXX XXXX XXXX is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks

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 2017-12-06 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: IN

Complaint narrative:
I am a victim of inquiry issue by TransUnion credit bureau. Multiple attempts to contact the bureau regarding this situation were not helpful. The bureau did not help to take care of the negative inquiries that were reported to my credit card report. 
The inquiries I would kindly ask you to remove from my account are the following : XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed 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 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.

Company response to consumer: Closed with non-monetary relief