vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 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: MI

Complaint narrative:
TransUnion had a glitch in the computer system causing all hard inquiries to be deleted off my credit report. TransUnion later added them back onto my credit report without giving me the legally required written 5 days notice prior to them re-adding the hard inquiries. I contacted TransUnion in good faith and asked to please have the accounts removed since they were illegally re-added. The Transunion rep then told me that I could not have them removed because I was not affected, even though my credit report says otherwise. The inquiries are a burden and hardship, My credit score is being affected causing issues with trying to take out a mortgage. My rights were violated by TransUnion. Can you please help TransUnion stop victimizing me? I 'm hoping that I am able to come to a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have been making an extra payment to my mortgage with BoA on the XX/XX/XXXX-XX/XX/XXXX of the month every month for several years now. The regular payment is due on the XX/XX/XXXXof every month - I have always paid on time and there are no pre-payment penalties in the mortgage agreement. The extra payments have been going towards future payments ( interest included ) and not the principal balance. I have contacted BoA numerous times, most recently XXXX XXXX, resolution specialist for regulatory complaints. I have previously filed two CFPB complaints regarding this matter ( Case # XXXX ) and there has not been an adequate resolution. BoA is still misapplying my mortgage payments. Page 3 of the mortgage statement regarding application of payments clearly states : " If your loan is current and you submit additional amounts, [ ... ] if no instructions are provided they will be applied to the principal of the loan. '' Furthermore, under the title Paying Your Loan Ahead, it states : " We allow you to prepay your periodic payments one month in advance. '' " [ ... ] any attempt to prepay more than one periodic payment on your loan will result in your payments being applied to the principal of the balance of your loan. '' Throughout this issue BoA has been aware of my desires to apply extra payments to the principal of the loan. They have been continually misapplying these payments, in violation of their own terms and agreements within the mortgage, and the application of payments statement, as well as inaccurately reporting these future payments ( interest included ) on my credit report.
BoA 's solution to prevent future payments from being misapplied all include using services that  charge per payment. I currently use XXXX XXXX XXXX XXXX who writes a check to BoA twice a month. I am unable to write a personal check due to travel as a function of military obligations ( XXXX ). Through BoA 's attempted collection of fees for payments they are artificially inflating my interest rate on the mortgage, and preventing me from paying down the principal of the mortgage to further the bank 's collection of interest. I am again requesting that BoA retroactively from XXXX 2017, and in the future correctly apply additional principal only payments to the loan and abide by the terms and conditions stated in the mortgage agreement, and issued monthly on their statement to me. Currently my mortgage is paid through XXXX 2017 - this is completely unacceptable, and not accurately reflected in my credit report ( a violation of the Fair Credit Reporting Act - subject to a {$1000.00} fine ). All mid month payments shall be principal only payments from the origination of the loan until it is paid in full.

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 2017-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Allied Collection Services has placed negative information for a debt I do not owe. I have never received any forms, signed contracts or any information regarding the debt for which they reported. When I contacted the company they crossed referenced my telephone number and gave me information that was not my personal information. The collector XXXX then asked me for my personal info such as SSN/DOB and only then did he claim that I owed them monies. This company continues to contact me with fake names in attempt to extract my personal information on a daily basis.

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 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: MT

Complaint narrative:
I received a loan modification offer unsolicited from Seterus. I spoke with a representative on XX/XX/XXXX about the terms of any modification, and she offered no information whatsoever on the terms only that the payment would be XXXX/mo lower, and simply offered a wait and see attitude. This wasnt a mistake that the terms were not revealed until mid-XX/XX/XXXX ( to add 40 years to the balance of the loan ). I also never asked to be in the program in the first place, I simply logged in one day to discover I was in the program, without notice. Most importantly, the program/staff fail to mention that if the offer isnt accepted the reduced monthly payments that were being accepted and also reported as current on their site would then, and without notice, retroactively NOT be accepted or applied as monthly payments and used instead to manufacture a default, thereby fraudulently generating thousands of dollars in fees and missed monthly payments that must be paid as a lump sum reinstatement under the threat of foreclosure with the ultimate aim to capture my equity in the property. Seterus then stated I was in foreclosure and demanded on XX/XX/XXXX {$5800.00} to bring the loan current through XX/XX/XXXX with no mention/accounting of what  happened to my reduced loan payments made during the trial period. I paid the money but the reinstatement amount and the tactics used to arrive at this figure were unfair, deceptive, fraudulent and a clear example of predatory mortgage servicing.

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 2017-07-21 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: FL

Complaint narrative:
Below you will notice the unauthorized transactions which were charged to my Wells Fargo by two companies that I never did business with. The charges were made on the XX/XX/XXXX by two companies for a total of {$970.00}. I attempted to file a claim with by contacting the Wells Fargo fraud department, but they ended up adding additional charges to the fraud claim which I did n't ask and that error led to the bank denying the claim. I contacted the companies that charged my bank account for the two charges and they informed me that I would have had to deal with my bank about the situation. I also attempted to refile the claim at my local as well as over the phone, but nothing got resolved. The fraud claim agents from Wells Fargo bank were extremely rude towards me when I attempted to explain to them the factors which led to the fraudulent charges and they did n't see to care. I would like Wells Fargo bank to refund me the total sum of {$970.00} which was stolen from my bank account. XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL  XXXX CARD XXXX {$130.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CARD XXXX {$840.00} = {$970.00}

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 2017-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My student loans were in default due to my inability to repay and Navient 's refusal to enroll me in an income-based repayment program. My credit report shows that my first missed payments on all of my student loans occurred in XX/XX/XXXX, but I had been in contact with Navient since XX/XX/XXXX regarding my high payments. Flash forward to XX/XX/XXXX-XX/XX/XXXX. Navient was calling me and my cosigners at least 10 times a day, even though I told them that I work as a teacher and could not receive phone calls at work. I am a teacher and will lose my job if I answer my cellphone while teaching. I stopped answering their phone calls because they had sold my account to collections and refused to work with me. My parents signed off as cosigners, which was never presented as an option to me, by paying {$540.00} on XX/XX/XXXX, {$22000.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. I was also enrolled in the Three Pay Plan to bring my account current. I made three payments of {$100.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have continued to make payments of {$120.00} since that date ( XX/XX/XXXX & XX/XX/XXXX ). I do not know who owns my debt at this point. According to my XXXX  credit report, I have 51 missed payments to Navient, including a payment on each loan in XX/XX/XXXX. My online Navient account says that I still owe them {$1000.00} with a past due amount of {$620.00}. I do n't understand how this could be true since my credit report states that I 'm current, and they continue to auto debit a total {$120.00} each month. They no longer call me, but I 'm afraid that they will start up again because I do n't even know who owns my debt anymore. They have destroyed my credit and made me regret becoming a XXXX. I have included as many dates as I can still access, but this has been a constant back and forth since XX/XX/XXXX. Why was I never told that I could get a cosigner waiver? Why was I told that I did n't qualify for income-based repayment despite having an XXXX of under XXXX and a student loan payment of over {$600.00} each month ( not counting federal loans )? Why was I misled, harassed, and basically told that there was nothing that could be done? Where is my money going now? I 'm terrified of what could happen if I 'm kept in the dark any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I was contacted by XXXX XXXX XXXX about the refinancing of my home and during this phone conversation trying to get me to refinance with this company i was told that I could cash out {$500.00} dollars and it would only raise my payments approximately {$5.00} a month. I was also given a payment amount and I then stated for them to make sure that it was correct because I pay both city & county taxes and for them to figure them correctly to get my payment correctly. When I received the info of the payment it was raised over {$50.00} which I excepted since I was going from an adjustable loan to a fixed mortgage. I explained that I was at their mercy because I do n't understand all of this stuff. Then when all was completed, I attempted to contact these people that I dealt with and they would n't answer, return calls, or emails. I then contacted the manager and he stated that the employee made a mistake and said that that it was coming from my escrow that I paid to the other mortgage company on previous loan. I explained that is already money that I was getting back and they did n't know how much that I paid in escrow Plus that it was discussed about it raising my payment to get this money. The manager then told me that it was n't an unreasonable amount so he will email the VP immediately and get back with me 2 days later on Thursday and he did n't. He then would n't answer calls from me and I sent him a email that he did n't respond to as well. I contacted someone else which they emailed the manager and he finally contacted me back and told me they were not going to honor what I was told because they said that I got a refund from my previous mortgage lender. I explained again that has nothing to do with what was discussed and that they had no idea what I had in escrow during this time of trying to sell me this loan. I also told him that these type of lending practices are not ethical of promising stuff to get me to buy a loan from them and then not honoring what they stated during these recorded conversations after I sign loan agreement was n't good lending practices and that I would report this!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21 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: TX

Complaint narrative:
I have tried numerous times to get my credit file corrected. Equifax is taking less than 2 hours to "  investigate '' the inaccuracies. One example is a Chapter XXXX bankruptcy with inaccurate information within it. I received the result of there " investigation '' 1hour and 30 min after submitting the dispute. Equifax has received many disputes this year from me and has a record. I want a copy of what they sent to the creditor and a copy of the responding parties response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This is a formal complaint against SouthWest Credit Systems, located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable collection account on all 3 of my credit reports and not to mention an account in which I 've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

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 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
In 2015 a " flex loan '' was taken out in my name. I did not do this. My mother did, she was able to because the person working at the advance financial location, on XXXX XXXX, in XXXX Tennessee was buying XXXX XXXX from my mother and did this as a favor. This loan was put in my name and I was not even present. I attempted to pay this off instead of just pressing charges. I made 8 months worth of payments and the balance due actually increased. I called the 24 hour number and was advised, by a supervisor, that when the flex loans first came out no one was properly trained. So the only way to pay the " flex loan '' off without paying a 300 % interest was to pay it all at once. I had been making the minimum payments ( XXXX biweekly ) and nothing was bringing the balance down. I was told that since this was fraud, and the individual who processed the loan was fired for not verifying people 's identities prior to approving loans, that I did not owe any more money. Fast forward to today, 2 years later, and I get an advertisement from some random attorney that advance financial has a pending lawsuit against me for the amount due. I did n't take this loan out, and I was n't there when it happened. I saw no money from this loan, it was done fraudulently. Advance financial was aware of this because they terminated the person doing it. I 've not heard from this company in over two years and today I find this out by way of an advertisement. This should be illegal. I called advance financial and the guy could n't tell me a thing because there was no information on any loan for me. I was given a number to call in XXXX, TN which is 2 hours away. The local store denied knowing anything because it 's been so long, and now I may be stuck paying something I did n't do, as an unemployed mother to XXXX XXXX XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had a old account with usaa that was negative XXXX. I opened a new account and the money XXXX dollars I put in that account was taken to Pay part of my only account, which brought my balance to XXXX. A week or so later I had a direct deposit for XXXX go into my new account and I was told by someone that it was going to be held for 24 hours so they can take the money I owe and then he rest will be available for my use. Later I found out it would be 3 business days. This was told to me on a Thursday and again someone told me the funds would be available by Wednesday. I asked why all my funds were being put on hold when only a small amount of those funds are needed to bring my old account current. They said it 's just their procedure and here was nothing they could do. The next day I had a bill that I had already pushed back a couple times that I was going to pay with that money and I  explained this to multiple people that I needed that money. They could keep the money I owed them but to please give me the rest of it so I can make my payment and avoid reconnection fees. Again I was told by multiple people sorry nothing I can do and even if I closed my account I could not get my money out til the following week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
called to seek forbearance in XX/XX/XXXX and XX/XX/XXXX. got approved for XX/XX/XXXX. XX/XX/XXXX they say i max out. told them i was unable to make payment with low income. called to tell them im in XXXX school and was told i can get deferment. call back in XX/XX/XXXX and was told different and that i cant get deferment and that there no options that they can help with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Frankly an opinion formed by direct response from a lender- " Experian '' provided my FICA score. THEY- Experian outright lied to me if what I was advised is correct. Experian gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.

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