vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was XXXX of those XXXX XXXX Americans affected by the security breach at Equifax. I have since struggled with activating the protections offered by Equifax because of horrible load times of their web site and a complete inability to speak with an Equifax representative. 

It takes seemingly for ever for the Equifax web site to load and, once it does, it gives me the XXXX option of locking my files. However, there is no mention of establishing a fraud alert or establishing a security freeze, which I understand are XXXX other options that are supposedly available to me ( in addition to the file lock which is available in lieu of a security freeze ). 

My many efforts to talk with a representative about this issue have been fruitless. I have been placed on " hold '' several times for up to an hour before giving up the effort to speak with someone. 

It has now been several weeks since I began my effort to secure my credit records at Equifax and I am still struggling to complete this endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: CA

Complaint narrative:
I submitted a XXXX XXXX XXXX XXXX ( XXXX ) form on XXXX XXXX, XXXX, the form stipulated it expires XXXX XXXX, XXXX. I received a letter XXXX XXXX, XXXX stating my form was rejected due to a new form that was created after therefore rejecting my form with Expiration date XXXX XXXX, XXXX. Terms and condition have changed in the new form. They are just prolonging services that I applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I visited XXXX XXXX XXXX on XXXX/XXXX/XXXX and paid my co-pay at the time of service ( see attachment ). It was {$50.00} for a specialist visit and that is not in dispute. This was not submitted to my insurance company by them until the following year in XXXX of XXXX. In the meantime XXXX XXXX XXXX provider ) changed entity names and billing systems at the end of the calendar year XXXX ( or so I was told by their representative ). My employer based insurance changed to XXXX in mid XXXX XXXX when my employment ended. There is no dispute with the insurance carrier XXXX XXXX XXXX 
I was billed again for the same visit in XXXX XXXX which I mistakenly paid, then realized my error when my Explanation of Benefits ( EOB ) did not add up to XXXX XXXX billing. They continued billing me the {$50.00} charge for this service date until I contacted them in XXXX ( see attachment ) and explained I had paid this twice and it was not being correctly applied. Eventually in XXXX XXXX they found the payment had been misapplied and ultimately credited me the {$50.00} owed back. I thought this issue was resolved. 
Then yesterday I receive a Credit Collectors notice ( see attachment ) for payment of this same bill for that service date. I have contacted XXXX XXXX again today and they said it was misapplied and would attempt to correct their records. I have no faith in their ability to resolve this without monitoring/enforcement by appropriate agencies such as CFPB. This has resulted in me spending many hours to resolve their billing problem and no assurance it really is resolved. I 've requested a detailed billing from them on payments/bills from the XXXX qtr of XXXX through XXXX qtr of XXXX. But I had done this before earlier this year evidently to no avail. Please follow up with them to help me resolve this issue completely. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is not letting me settle or payoff my account. They are not even giving me a payoff demand letter on my account even after multiple request. I am trying to do short sale and they are in the 2nd position and they holding up the whole process for short sale. 1st line is already approved for short sale but due to bank of America not issuing a payoff or short sale approval I am not being to close on the property.

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 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Prince Parker & Associates
State: IN

Complaint narrative:
received multiple phone calls on phone # XXXX from phone # XXXX. They are leaving voicemails for me to contact them immediately on my wife 's phone. They are disclosing that they are a debt collector in the voicemails. I called them today to find out what the call was about. I advised 'Ms. XXXX ' that no one ever disclosed that they were a debt collector in any of the voicemails and that they were left on a phone that was for XXXX XXXX and not XXXX XXXX. XXXX clearly states " XXXX XXXX '' and therefore they were in violation leaving a voicemail for me on someone else 's number. I advised her that I would be contacting an attorney and her response was " Is you attorney going to pay your bill? '' I said " Excuse me? You ca n't say that to a consumer '' and her response was " I can say whatever I want ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I purchased a pool table from XXXX 's on XX/XX/XXXX with their Brand Source Credit Card under a 0 % interest promotion. I had my balance down to {$450.00} when I received a statement showing a current balance of XXXX. I called customer service to inquire about the balance and was told because I did not pay it off within the promotion I am required to pay the back interest beginning from XX/XX/XXXX. This is very upsetting because none of this was communicated when I made the purchase. I understand paying the interest going forward on the remaining balance, but due to the lack of communication on their end, my balance is now tripled. I have never missed or been late on a payment and this is truly bad business on their end. The previous interest rate needs to be rescinded, and the interest needs to begin with the balance of that was due before the {$720.00} in interest was added to my account.

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The company XXXX XXXX XXXX is a company I 'm not familiar with. They illegally put wrong information on my credit report. I filed 100 etc reports and will continue. Next I will be filing with the BBB. They refused CFPB direct contact stating they are a third party and refused to work with them. I feel with the breach my information was compromised. This company is fraud. I do n't owe any outstanding debt to anyone.

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 2017-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
My email account was hacked and I found money orders in my email box. It appears XXXX caught and blocked it, looks like western union sent money through. 

THIS IS FROM XXXX 'S XXXX : Money Transfer Receipt Dear XXXX XXXX, Thank you for using XXXX. We appreciate your business! 

XXXX must get approval from your bank before sending the money to your recipient. When the electronic withdrawal is complete, which may take from 1 to 4 business days, we will notify you by email and send your transfer to our partner for Cash Pickup. 

We will also give you specific pickup instructions that you will need to communicate to your recipient. 
To view the current status of your transaction, visit Track your transaction. 

For Customer Service, visit our Help Center or call XXXX. 

Transaction Details XXXX Tracking Number : XXXX Transaction Date : XXXX XXXX, 2017 XXXX XXXX PDT Date Available : XXXX XXXX, 2017 Central Standard Time - XXXX XXXX, XXXX Cash Pickup with : XXXX View Locations Amount Received : XXXX MXN Exchange Rate*:1 USD = 17.79 MXN Amount Sent : XXXX USD Transaction Fee : + XXXX USD Total Cost : XXXX USD *In addition to the transaction fee, XXXX also makes money when it changes your U.S. dollars into a different currency. XXXX rounds to the nearest whole peso. 

Recipient Information XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sender Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX United States HERE IS THE WESTERN UNION ONE : Dear XXXX XXXX, Please return to westernunion.com and enter the 4-digit PIN displayed below on the verification screen within the next 3 days. 
Your 4-digit verification PIN : XXXX If you have any questions, contact us at XXXXXXXXXXXX. Please DO NOT reply to this email. 




I am unaware what, if any, recourse is possible. I just wanted to pass along this issue with hopes it can be beneficial in combating fraud. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax , Inc. failed to secure my data. It was stolen and now I am at risk of having my financial identiy used to ruin my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
XXXX. XXXX my Mother and her husband bought a home at XXXX XXXX XXXX XXXX XXXX, XXXX The mortgage company was XXXX mortgage. They signed the loan documents as husband and wife.. In XXXX the husband decided to go to California and deeded the home to my mother. He returned about a year later and lived there until he developed XXXX in XXXX. At that time I took over the mortgage payments and kept the loan current and provided insurance coverage. In XXXX XXXX the husband died. XXXX XXXX XXXX soled the mortgage to CMLTI mortgage company..I kept the loan payments to XXXX current. XXXX XXXX Fay Services bought the mortgage. This is where the problems began.Faye services changed to ownership of the home and responsibility for the mortgage form my mother to her deceased husband. Fay refused to discuss correct this and refused to discuss with us on numerous attempts we made to talk with XXXX XXXX and XXXX XXXX loan officers. Because they would not tell us the current amount of the loan balance or amount of payments. We paid the same payment as was required by XXXX All XXXX taxes were deferred by the county because my mother is XXXX. Fay set up escrow for taxes despite the fact that the taxes were XXXX Notice was sent to the husband 's family showing he owned the property. His family immediately filed a probate lien on my mother 's home. We hired a lawyer. Fay would not cooperate with him.. Faye cashed our checks and this loan should b up to date. We received a notice from Fay advising that if we do not pay and additional {$20000.00} by XXXX XXXX they would foreclose on my XXXX XXXX XXXX mother 's home.. There are XXXX complaints against FAY services with the BBB and more with Texas Dept of Savings and Mortgage Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XXXX XXXX, a unit of Nelnet, sent me a notice of increased payments calculated on my student loan due to a variable interest rate. They repeatedly refused, and continue to refuse, sending me the complete set of calculations supporting the change in payments. They sent partial libor related data but never sent the full equation and explanation. I contend this is egregiously wrong and evidence of bad faith in lending and the process of collecting payments. I would ask that they notified of a valid complaint and an investigation commenced. Failure to share details such as this generally implies there is something to hide. My name is XXXX XXXX and phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
A company I have never heard of, nor have the contact information for, has listed a collections debt on my credit report. It appears to be Southwest Recovery Services. The collection on the account claims I owe {$1100.00} from XXXX of 2016, yet I opened no new credit that year. I have never received any mail or calls from this company so that I could either pay the debt to avoid collections, or, to be able to dispute the debt if it was indeed unfounded. This is a very scary thing that a company can just put something on my credit report, affecting my score and reputation, with something I know nothing about. I have filed with XXXX to dispute it and have it removed, but I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a letter from Wakefield & Assoc stating that they were representing my dermatologist in collecting an unpaid debt. The amount was for {$97.00}. I contacted my doctors office and they have no record of any unpaid bills or any collections actions against my account with them. 

From the Dr Office : Please call me at XXXX or on my cell phone, XXXX so we can review this together. I am not showing you have an outstanding balance or any notations of collections activity on youe account. Please send a copy of the collections letter you received so I can follow up on this as soon as possible. 

Thanks, XXXX XXXX, XXXX XXXX XXXX I have requested in writing via fax for them to prove this is a legitimate debt. They have not provided any such proof.

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 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been a long time credit card holder for over 10 years, of the same two accounts with Capital one. I have encountered a financial hardship due to loss of income and have tried contacting Capital one via phone seeking help to lower the interest rate on my credit card and receive some help with the removal of the late fees and fee penalties applied to my account however I have not been able to get through on the phone. My current phone number has been disconnected due to non-payment and I have to use someone else 's phone to reach out for help. I am in need of some assistance to bring my accounts ( there are 2 ( two ) different credit card accounts in my name only ) current and remain a good standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In 2015 I lost my job 3 days after my first mortgage loan payment on XX/XX/XXXX. I spent 8 months without a job and early XX/XX/XXXX I fell behind on my loan payments.  As a result, my original loan was refinanced and payments under the new loan started on XX/XX/XXXX The XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX were applied to the old loan. By XX/XX/XXXX XX/XX/XXXX according to Penny Mac records I was 2 months behind. Issue solved and registered for auto-draft. Ever since then, every month I have to call because they draft the money from my account but for some reason they put it on hold and the money never gets deducted from my account unless I call and curse and swear to somebody. Today I received a call that I didn't pay XX/XX/XXXX XX/XX/XXXX. I'm pretty sure I called onXX/XX/XXXXto check on my account. Same thing... lady told me money was drafted and put on hold. But the person that called me today says the money was applied to XX/XX/XXXX and not XX/XX/XXXX. I have talked to collection agents, supervisors, they transfer me to a complaint division of some sorts... and everyone promises to fix the problem and it's been already a yr and problem hasn't been solved. I think that the money they had put on hold for XX/XX/XXXX was applied to XX/XX/XXXX instead. I'm pretty sure that I called on XX/XX/XXXX to check on the status for XX/XX/XXXX payment... and still, they messed it up. Don't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was full time in college for four years 3 and a half hours away from home and was not working because I was in school full time. I got the loans through XXXX XXXX in which two of them were then turned over to Navient (I had no idea). All of a suddent, I randomly started being harrased via telephone stating I had to pay X amount of money OR ELSE. This happened about twice a day for maybe 3-4 months. They would call asking for my credit card information which I never gave because they never sent me anything via mail as requested before I just went and gave out my credit card info. Eventually, I received a letter from an asset management stating my 2 loans totaling close to $XXXX were WRITTEN OFF and my credit became a XXXX. I never started to build credit and when I went to go get a car loan was denied because of the charged off loans. I am now XXXX years old and can not get a car or an apartment because of my student loan WRITE OFF. Obviously I would have paid the payments six months after graduation as that is what I signed up to do. I try to contact Navient because the Department of Education is stating they have my loans and after waiting for almsot half an hour EVERYTIME to speak to someone at Navient, they say they have no record of anything for me. I even just received an email from Navient on XX/XX/2017 seeking payment but when I call they have no information. I do not know where to turn or how to get help. I feel so lost due to this issue and literally can not even move out or get a working car because of this. SOMEONE PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I stopped using my credit card since XXXX 2017  and paid off all the balance due. I have tried not to use it because of the interest charges was too much for me, even though i have checking and savings account with the company and always check the account online with my phone, what is strange is anytime i open the account i only sees  the checking and savings only without seeing the credit card account. Last month in XXXX i was checking my checking account and i saw there was a transfer of XXXX from my checking account to credit card account immediately i call the bank but they asking for some codeword that i couldn't remember so they couldn't resolve the issue they required i should  go to their branch to  reset the codeword, the branch was far from where i leave about XXXX mile from me so i couldn't go and decide to found time to go later.  About XXXX weeks ago   I went online again on desktop computer  to print out my statement to support my social security document they ask me to bring, when i get in the account i realized there is amount due of XXXX for credit card so i was what i don't even use this credit card anymore for the pass XXXX month how come do i own them so i click on it and notice there are some transactions that i have no idea about i kept scrolling down and noticed somebody been using credit card for the pass XXXX month from XXXX 2017. So i called the bank and they said i should go online and freeze the account which i did . The next day i drove abut XXXX miles to one of their branch and reported the case and they closed all of my account and opened a new one for me. But ask me to go for police report since the fraudulent been using my navy checking account to make payment for the credit card and even the transaction is more than XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: MI

Complaint narrative:
I experienced a financial hardship several years ago.  My home loan was originally with XXXX XXXX XXXX (XXXX).  XXXX transferred my first and second mortgage loans to XXXX.  XXXX  and I agreed to a settlement for my second home loan.  I had to pay $XXXX within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit.  XXXX kept their word.  However, XXXX and Equifax refuse to adhere to the letter.  I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report.  How should I proceed?

Company response to consumer: Closed with explanation