vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 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: AES/PHEAA
State: MA

Complaint narrative:
I pay most bills directly through my checking account. I 've never had an issue until now. I had a scheduled payment of {$340.00} for my school loan with FedLoan. According to my checking account on XX/XX/XXXX {$340.00} was taken out by the Dept of Ed. XX/XX/XXXX I received an email from FedLoans stating that my account was past due. I called customer service the same day and informed them of the error. I was told that no payment shows up on their end and I should check with my bank. When I contacted my bank they were able to see that the money was taken out and is sitting with FedLoan 's bill pay company XXXX. My bank tried to schedule a 3 way call with me, the bank and XXXX. XXXX refused to speak on the recorded line. My bank advised me to to call my lender again and explain to them what 's going on with XXXX. My bank even opened a case and had an incident number ready. XX/XX/XXXX I called FedLoan again but the customer service rep did n't have much to offer regarding XXXX. She simply said email or fax proof to FedLoan that {$340.00} had been taken from my checking account. She also told me I should sign up for automatic payments. NEVER! ( I had done this before with FedLoans and had gotten screwed when {$600.00} was taken out by accident. ) That same day I emailed and faxed my bank statement. In the meantime my bank encouraged me to make another payment ( using another method ) to FedLoan since I was in a late status. On XX/XX/XXXX I made a payment directly on the FedLoan website. This morning I received an email notification from FedLoan. When I logged into my account there was a letter dated XX/XX/XXXX stating that my XX/XX/XXXX payment was still past due! Mind you, the payment I made on XX/XX/XXXX is reflected on my FedLoan account online. As of right now no one from  FedLoan has responded to me or my bank and someone still has my {$340.00}. To add insult to injury I also read a letter on my FedLoan account about my employment certification for the Public Service Loan Forgiveness program. They are still giving me the wrong start date. The whole situation stresses me out. I work hard to pay my bills on time and keep my credit in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Opened   XX/XX/XXXX    ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  XXXX   XXXX   XXXX   XXXX   XXXX  has submitted false information on my credit report. The collection agencies has bought an account that was already selected and  discharged  in  XXXX . In addition the agency has supplied  Transuion  a false date of   XX/XX/XXXX   which is illegal by law. This debt date is not correct and I 'm not responsible for the debt!

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 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l.
State: VA

Complaint narrative:
I started getting calls from debt collectors stating that I owed money for various credit cards. The credit cards were from XXXX, XXXX XXXX, XXXX, and XXXX. I was extremely confused but they threatened that if I did not pay the debt then it would ruin my credit score. Of course, out of fright, I decided to start making payments on these large bills. Most of the bills were over {$1000.00}. So i tried to settle the accounts as much as I could. Upon moving across the country, I did n't have a job, so the debt collectors called me again and threatened that I had to pay and if i did n't then all of my payments that I made previously would not even matter. They would hand the account off to another debt collecting company and I 'd have to start all over. I am at my wits end. I have tried to pay but this debt was not mine to begin with. Around 2012, I dealt with identity theft and had to switch banks and take several steps to make sure my money was protected. Now, I 'm dealing with it all over again. My credit score is in the pits and I can not take out any loans for school or otherwise.

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 2017-07-14 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: GREAT LAKES
State: NC

Complaint narrative:
My issue is regarding excess payment allocation.
Great Lakes Educational Loan Services is the servicer of my Stafford loans. I have 4 Stafford loans in total, each with a different interest rate. The highest interest loan is called " Loan Token 330. '' My monthly payment date for these loans is the XX/XX/XXXX of every month. In XX/XX/XXXX, I paid my monthly payment via autopay on XX/XX/XXXX. I also wished to make an excess payment in the amount of {$800.00} toward Loan Token 330. I  called the Great Lakes customer service phone number on XX/XX/XXXX to make the excess payment. Great Lakes customer service was closed on XX/XX/XXXX due to the XX/XX/XXXX holiday, so I was not able to reach customer service.
<P/>
Great Lakes customer service reopened on XX/XX/XXXX, so I called on XX/XX/XXXX to make my excess payment. The customer service representative promised over the phone that my excess payment would be applied to Loan Token 330 only, and promised it would not be applied to my XX/XX/XXXX monthly payment. <P/> I logged into my Great Lakes online account on XX/XX/XXXX and saw that the excess payment was applied to my next monthly payment, instead of being applied to Loan Token 330 only. <P/> I called Great Lakes again on XX/XX/XXXX. For the first time, Great Lakes customer service explained to me that an excess payment must be made on the monthly payment due date if it is to be applied to a particular loan, and not to the next monthly payment. This information is not available anywhere on the Great Lakes website. The Great Lakes website states that an excess payment will go toward the next monthly payment first, but it does not state anywhere that the excess payment must be made on the monthly payment date to avoid this. Furthermore, I was told conflicting information during my phone call on XX/XX/XXXX : Great Lakes customer service told me that the excess payment would apply to Loan Token 330 only. <P/> During the call on XX/XX/XXXX, Great Lakes customer service told me that an " exception '' would be made for my payment, because they were closed on my payment due date, and because their customer service told me incorrect information on XX/XX/XXXX. The " exception '' would fix my excess payment so that it would go toward Loan Token 330 instead of my XX/XX/XXXX payment. <P/> On XX/XX/XXXX, I called Great Lakes again and was informed that the " exception '' did not go through and my excess payment would remain applied to my XX/XX/XXXX payment, rather than to Loan Token 330.
<P/>
I want the CFPB to help me get my excess payment applied to my desired loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
I requested a HAMP Modification to my mortgage in   XXXX   from  Flagstar Ban k. I worked through the difficult process of sending required documents that were lost and did not receive communication back. I was uncertain of  Flagstar  ability to process the loan so after 4 months of no progress, I sent in a mortgage payment. I sent two mortgage payments to  Flagstar  and both were sent back to me b y Flagstar. I  continued with process and began emailing any staff at Flagstar regrading by modification. My complaint is that I was just informed by my current mortgage lender,  XXXX   XXXX , that  Flagstar  did process my modification under  HAMP  after I asked for a Payoff quote. It appears that since my interest was n't lowered, years added to loan for a total of 40 years, and deferred principal amount of {$26000.00}, Flagstar merely completed a streamline loan modification. Therefore, my loan was n't a HAMP as I intended and the deferred principal was n't forgiven.

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 2017-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Completed an international wire transfer to XXXX on XXXX/XXXX/2017 in the amount of C {$55000.00}. The amount sent in USD was {$43000.00}. Giving an exchange of rate of 1.292599. Historical data shows an exchange rate of 1.3249 on XXXX/XXXX/2017. There were no disclosures given to me our my company at the time of the exchange.

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 2017-07-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  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 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
TransUnion is intentionally blocking positive payment history from two accounts in my credit file. I have a credit account with XXXX and XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXand in XX/XX/XXXX,  however ; they only display 3 years worth of payment history for these accounts. I have confirmed with the data furnishers that all years of payment history have been reported to TransUnion. <P/>I feel this is intentional to prevent my score from being as high as it should be for retaliation of previous complaints. I feel this way because my accounts that have negative information are reported in their entirety. <P/>I need my file to be completely accurate, as it is essential to earning a living. I am the XXXX of an XXXX XXXX and my personal credit is being considered to close a loan for a major acquisition. The intentional omission of my payment history with XXXX and XXXX XXXX XXXX XXXX XXXX is causing actual financial harm that, if unchanged, I will have to seek recovery of in court. <P/>I have attached my credit file obtained directly from TransUnion to display the lack of payment information for the above mentioned accounts.

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 2017-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received several promotional offers for 0 % APR on certain purchases with Home Depot ( I believe the card is issued by Citi ). When those promotional balances came due, I designated the promotional offers that were expiring to be paid prior to their expiration date of XX/XX/XXXX & XX/XX/XXXX ( this happened on consecutive statement cycles ). On the online banking system, they showed as having a {$0.00} balance 4 days prior to the due date (XX/XX/XXXX & XX/XX/XXXX ). However, when the next statement cut, I received all the deferred interest charges because the bank applied my payment amount to different promotional balances. By doing this, the balances that were expiring were technically not paid off because part of the payment was allocated to a different promotional balance expiring in the future. As mentioned, this happened in consecutive months. I had two promotional balances expiring in XXXX in the amounts of {$170.00} and XXXX for a total of XXXX. I made payments during this cycle with a total of {$790.00} ( which more than covered the expiring promotional balances ). However, my payments were applied across three different balances. The first balance of {$170.00} was paid off. However, only {$420.00} was applied to the expiring balance of {$570.00}, and the remaining {$200.00} was applied to a promotional balance expiring in XXXX. This left a remaining balance on the now expired XXXX promotional balance. As a result, I was charged {$200.00} in deferred interest incorrectly. I had one promotional balance expiring in XXXX for a total of {$2000.00}. I made payments during that cycle with a total of {$2200.00} that again more than covered the promotional amount. However, only {$670.00} was applied to the now expired promotional balance, and the remaining {$1600.00} was applied to a promotional balance expiring in XXXX. This resulted in a deferred interest charge of {$1800.00} being incorrectly assessed. The bank did reimburse the interest fees, but only after hours on the phone with them. This type of behavior certainly qualifies as unfair and deceptive, so it is definitely a UDAAP violation. I would imagine it also violates Regulation Z. I am now paying off the last promotional balance with this card, and I can already tell that I will have to go through the process again of having them reimburse another interest charge based on how it looks like they processed my most recent payment online.

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 2017-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHWEST FUNDING, LP
State: TN

Complaint narrative:
I am a XXXX and I have a client that was purchasing a home. They went to the internet and were looking at lenders and happened to see this lender on XXXX. ( I had given them 2 or 3 names to  call ) Anyway he contacted this lender called Southwest Funding and he sent them a pre-approval letter and told them the docs they needed to send him. We wrote an offer on the same day which was XX/XX/XXXXthe buyer proceeded to send all the docs the lender asked for. Closing date was originally set for XX/XX/XXXX, we had to extend and extend it as the lender kept asking for other docs. The lender knew there was to be a gift letter so they waited until after the 2nd extension on the loan to even ask for the gift letter and it took them 2 days to get the form for it to them. Also they said they had to verify where he had worked two years before his last job by phone although they had his tax record, a copy from the IRS and his W-2. They also failed to sent them an estimation of the cost ( formerly know as a Good Faith Estimate ) from XX/XX/XXXX until XX/XX/XXXX. ( This is a violation of the FHA regs ) When the house did not appraise the seller agreed to the sell the home at the appraised value we then changed the sales price, got the docs signed and sent to the lender and they never sent another estimation of cost. Southwest Funding ( XXXX XXXX, owner and loan XXXX ) told her verbally on the phone she would have to have {$3100.00} to {$3800.00} at closing, then we got all of that worked out they then said the lender told them they needed to bring another {$1600.00} plus payoff a credit card. This client had done everything Southwest Funding had asked, had paid for an appraisal, home inspection, credit reports and had to extend their temporary living arrangements several times to the tune of approximately {$1200.00}. When I spoke to XXXX XXXX to ask why they had not been more forthcoming with the information he was very rude and offensive. He has not followed the guidelines set by FHA nor has he been honest in his efforts to get this loan done.

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 2017-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
My loan is in forbearance. As of today 's date   XX/XX/XXXX     I tried calling Navient at  XXXX  and  XXXX  to talk about starting repayments.  <P/> I had to call  three  times to the  XXXX  number. It is an automated system that simply disconnects the call and refuses to turn the call over to a live human being.  <P/> I then called the  XXXX  number and received a human being outside of   XXXX  . I requested a supervisor in  XXXX . After a five minute wait the operator to whom I had made the request came back on the line and stated that " they had no direct number to a supervisor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America foreclosed on my HELOC because it had expired. I made payments of interest and principal each month and they still chose to foreclose on me. I paid off the mortgage before it went to the foreclosure auction so my complaint is with the accountability of the fees they charged during the foreclosure process. Foreclosure fees increased each week even though the only effort expended by BOA was to publish the forfeiture in the local legal news. Why did my fees increase each week? Title fee. What is a title fee and when would I receive this " title ''? BOA started out charging a {$270.00} title fee and two months later the fee grew to {$420.00}. Why did the title fee increase. The property did n't change. <P/>Please tell me specifically what work was done, when, and why. I would like to know specifically what costs were switched from consumer service to billable hours. <P/>Please also tell me when I am going to receive a the title I paid for. <P/>Lastly, please tell me why I paid the full amount due for a payoff date of XX/XX/XXXX, yet BOA received and negotiated the funds on the XX/XX/XXXX. Why am I not receiving one days interest as a refund? If I was one day short, would BOA call it good? <P/>This theft of this small amount of interest illustrates the depth of deception that permeates BOA from the top down. We 're only talking about $ XXXX-XXXX dollars and they chose to take it thinking I would n't notice. <P/>Please give me a full accounting of the foreclosure fees totaling {$1000.00} and issue a refund for the theft of unearned interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-14 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: DISCOVER BANK
State: MD

Complaint narrative:
Discover Bank, NA continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress. I have contacted Discover where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again. <P/>Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. Discover is reporting to XXXX  This issue with Discover has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful. <P/>As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.

Company response to consumer: Closed with explanation