vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC
State: IN

Complaint narrative:
On Thu r. XXXX -17 th  e Direct or for Planet  Home Lending  argued with me about getting someone else to help me refinance my house. They request for documents that I already sent them. and wanted a new loan officer which was denied by  District Manager  in Florida by the name of  XXXX   XXXX . He was VERY RUDE to me and when I told him that I was going to turn him in and his response was that he did not care.They have my packet with a lot of personal information. I was promised a refinance. My loan number is  XXXX .   Would appreciate you help. My name is  XXXX   XXXX   XXXX  any question please feel to contact me either by regular mail which is at this address   XXXX   XXXX   XXXX   XXXX   XXXX   Ind.  XXXX  or e-mail,  XXXX  I am  XXXX  yrs old and a  XXXX   XXXX  and my doctor said no  STRESS!    Thank you!   Thu rs.  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Received a loan fro m Wells Fargo for fur niture 0 % interest for 18 months. I paid the amount in full PRIOR to 18 months. Upon apply for a car loan I find that they placed a bad credit reference against me for {$4.00} I have contacted them twice and each time I am told that the loan is paid in full and they do n't know why there is {$4.00} on the account or why it was reported to the credit bureau. They said each time they needed 10-14 days to investigate. My bank  (   XXXX  ) in the meantime has made an auto loan to me at an interest rate double of what I should be paying.  XXXX  states that if I can get a letter from  Wells Fargo  they would reduce my interest rate.

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 2017-04-20 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Time Investment Corporation
State: NC

Complaint narrative:
I took out a title loan on  XXXX / XXXX /  XXXX   with a company cal led Time Finance  located in  XXXX , NC. I ran into some financial hardships after completing  XXXX   XXXX   XXXX  , and was unable to find employment. As expected the company repossessed my vehicle. I have learned recently that they sold the vehicle at auction. When the loan was taken out they assigned a value to my vehicle that was more than the loan itself. With the repossession, I did n't fight it knowing that there was a balance owed that I was unsure would be paid. I assumed that the loan company could more than recoup its losses with the sale of the vehicle. I was not contacted to be notified of the sale, nor was there correspondence of the vehicle being repossessed. I just came out to find it gone. Later the agency reported to the credit bureaus that the account total was {$710.00} approximately. The entire loan amount was  XXXX  dollars, and at the point which payments stopped the balance was approximately  XXXX . The company, when contacted, told me that they sold the car for {$250.00} at auction, and that the actual balance on the loan was  XXXX  dollars. I fail to understand how they arrived at these figures, and feel that the company has taken advantage of me. They not only took a source of transportation without notice, but they left me unable to secure means to make good on the loan. My life was left in shambles, and now they essentially want me to pay the full balance on the loan, not including the damages and payment they 've already gained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have incorrect information on my credit report. I had a mortgage account in  XXXX  which was foreclosed on in  XXXX  with a final payment made in  XXXX .     Ban k of america h as incorrect information listed. Date of last payment :  XXXX   XXXX   XXXX . This is impossible. Please provide proof of payment with this date.   Date account closed :  XXXX   XXXX   XXXX . This is also incorrect as the account was foreclosed and completely terminanted in  XXXX .     The retroactive date that needs to be used would be in  XXXX . This was when a final/last payment was made into this account. This would be the final date to use moving forward. This would be the date that the roll off of the credit should apply.     Otherwise, please provide proof of payment in  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 2017-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
My paypal accoutn is locked and I would like it unlocked.

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 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: CO

Complaint narrative:
I am filing an official complaint against ARS Account Resolution. They are not putting this collection back on my account, when they sent me written verification that the account was closed and they would remove it from my credit report. If it had not been for me checking my credit this morning I would not have known this. They are in violation of the FDCRA as I have asked them in the past to give me the written contract with my signature on this as well as a signed  HIPAA  Release form. If this account and all subsequent accounts from ARS Account resolutions are not removed from my credit report I will take legal action. If this company can not provide a signed contract, a signed  HIPAA  release form stating I gave this provider permission to share my medical information then I am asking they be investigated for violation of the FDCRA. I notified them in writing many times and they are now in violation.         Credit Items ARS ACCOUNT RESOLUTION  S Ad dress :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  No phone number available Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  Address Identification Number :  XXXX  Status : Collection account.        Status Details : Th is account is scheduled to continue on record until  XXXX   XXXX .   This item was updated from our processing of your dispute in  XXXX   XXXX .       Date Opened :  XXXX  Reported Since :  XXXX  Date of Status :  XXXX  Last Reported :  XXXX  Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility :  Individual Credit Limit/Original  Amount : {$580.00} High Balance : NA Recent Balance : {$580.00} Recent Payment : {$0.00} Payment History :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX  Account History : Collection as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

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 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I received a letter telling me that interest in the amount of {$290.00} had accumulated on my account while my IDR plan was being recalculated. When I went to pay it online the amount was {$280.00} which I paid online. I have direct debit and it showed a withdrawal of {$280.00} which is my usual payment coming out on  XXXX / XXXX /  XXXX  . Then it shows a direct debit of {$270.00} AND {$550.00} coming out on  XXXX / XXXX /  XXXX  . I called today, spoke to  XXXX . First he told me I must have mixed up the amounts. I went over how I had a letter saying  one  amount and online it shows a different amount for outstanding interest which I paid. Asked why the direct debit on  XXXX  never came out. First he told me it was a weekend which should n't matter since it 's just direct debit. Then he told me I still have to recertify for an IDR plan. I said I have approval letter in my hand. Finally he determined that they applied the payment toward NOT the interest that had built up but toward the {$550.00} due for  XXXX  so the {$270.00} is what I still owe. This is not what I indicated I wanted paid. When I called earlier to ask how to pay this online I was told anything I pay automatically goes toward interest first. This was apparently not the case and impossible to see clearly on t he Fedloans  website and the person I spoke to in the call center clearly did not know what we happening and did not really seem to care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
After being guilted and begged, I reluctantly co-signed a student loan for a friend through  XXXX   XXXX . We had a falling out a few years later and she cut off communication and moved out of state. Some time not to long after,  XXXX   XXXX  contacted me about the loan being behind. I brought the loan current and was told that if I made on time payments for  two  years that I could be released from the loan. I made my payments but shortly before the  two  years w as up, the loan was transferred to Navient. At the end of the two years, I contacted Navient  and was told they have no such policy and refused to honor my agreement with  XXXX   XXXX .  Six years  later, I am still making payments with no end in sight an d Navient still r efuses to help me by going after  XXXX   XXXX , the primary loan h older. Navient could care le ss who pays the loan as long as they get their money.Navient should honor what  XXXX   XXXX  told me and release me from my obligation. I understand the commitment that I made co-signing but the intent was to help out here or there with a payment, not have the entire loan dumped on me. As far as I see it, this was a criminal/fraudulent act by  XXXX  and should be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The LMP was submitted to the lender on    XXXX / XXXX /  XXXX   - the lender has been requesting additional docs since the submission of the LMP - a missing items letter has never been sent or received- on  XXXX   XXXX ,   XXXX   we were advised the file showed all docs and it was being escalated for review - on  XXXX   XXXX ,   XXXX   the lender informed us when  XXXX  called that their was something else that was needed for the review - the requested hardship affidavit was submitted the same day - the sale date is still set on this file for  XXXX / XXXX /  XXXX   which should be placed on hold for this review

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MD

Complaint narrative:
These are charges that had been paid by my insurance company and  XXXX   XXXX   XXXX  continued to send me collection notices. I spoke with their office and was assured these were sent in error. Currently this shows up in my credit report as an unpaid {$2500.00} account from a collection agency identified as ACCOUNT RESOLUTION  CORPO loc ated at  XXXX   XXXX   XXXX   XXXX , MO. I 've never received any correspondence from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
I have an installment loan through a local office. When I initially applied for the loan I informed the office that my wife could not be contacted regarding the account due to a strained relationship. However, I was forced to give the office her contact information to complete the application but was assured that she would never be contacted. Despite my conversation regarding her not being contacted as soon as I got a couple weeks behind on my payment they called her. This led to huge distress in my already strained marriage and nearly led to separation at least. I talked to the office following the contact with my wife and reiterated that she was not to be contacted and got assurance that she would not be contacted from the manager. I even expressed my request for privacy via a letter. Nevertehless, when I fell behind a couple of weeks they contacted her again. I called the office furious and spoke with the manager regarding my request for privacy. He responded by saying that he did n't care about my request due to my late payment history and that he did n't care if I never made another " darn '' payment. He stated that if I would have responded to there multiple phone calls ( they called roughly 2 times per days fo r 2 we eks straight ) she would not have been contacted. But because I was so hard to reach they had to call her to prompt a response. I was never contacted via writing on the harrassing phone calls a couple times per day. Is their behavior legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: MN

Complaint narrative:
I just completed a 5 year bankruptcy plan. I successfully repaid my plan as of  XXXX    XXXX  . I am divorced and a single mom with full legal and physical custody of  XXXX  children. I want to pay my loans back however the monthly allocation of  XXXX  is high. I would like to negotiate taking off the interest that accrued during my bankruptcy to make the payments easier. I am currently throug h ACS and  their communication is only to manage through deferment or forebearance which I am not interested in. I have asked for the lender and discovered it is   XXXX   XXXX   XXXX   XXXX   XXXX   . Yet I call and email them and they do n't have me as a customer. Can you help me as I do n't know how t o reach out and try to resolve this with the lenders?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OR

Complaint narrative:
I have been trying to renew my income driven repayment plan. I have sent the information in by mail twice and also directly uploaded the required forms t o FedLoan 's webs ite. The only response was a form email telling me I was missing information, but I have no idea what that info could be! I also emailed them, as instructed, to suspend my direct debit payment since without th e IDR my p ayments are more than I can afford. I did n't get a response fo r four days at wh ich time the response told me I was too late to postpone but it was only late because they did n't answer me for so long!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On   XXXX   XXXX   XXXX   I was approved for a property tax deferral by the Oregon Department  of Revenue.   This program is for seniors and people on  XXXX  below a certain income level. Under this program, the state pays the property tax to  the county  taxing authority. The tax and interest are due to the state at the time the property is sold.    Wells Fargo Home Mortga ge is the mortgage holder on my house. My   XXXX   XXXX   payment was reduced from {$1100.00} per month to {$870.00}. At that time I was also issued a refund of {$2500.00} from  Wells Fargo  for the overpayment I had made to the escrow account. for property tax.   Since t hen Wells   Fargo has made multiple  attempts to collect property tax from me, claiming that I owe them for property tax. On   XXXX   XXXX   XXXX   I received an email  from Wells Fargo stati ng that the payment they received on   XXXX   XXXX   XXXX   for {$870.00} would not be credited to my account because they had increased my monthly payment amount by {$560.00} per month to {$1400.00} per month for my 30 year fixed rate mortgage. " ... Since we 're unable to make partial payments to the loan, we 'll hold these funds until you make the rest of your payment ... '' No changes have taken place with my property tax deferral. It is not due for renewal until the   XXXX   tax year.  Wells Fargo has  not paid property tax for  XXXX . They will not pay property tax for  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 non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Good afternoon, Im following chain of command as i have been advised by my council. I have reached out to  American Express on s everal occasions only to be given the run a round. My account was compromised and i dispute the un authorized charges back in  XXXX . Its now the end of  XXXX  ( Outside of FDIC timeframe ) and still no resolution just a case were we keep re-opening a dispute! Every contact with customer service i have received partial or as i was advised wrong information there are  two transactions at   XXXX   XXXX   XXXX   and I 've never been there. Im attaching proof of my signature from my government issued id as well as the police report for this matter. Ican be  reached at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I received an alert from the my credit monitoring service stating that an inquiry was placed on credit files. The inquiry is a fraudulently inquiry via  XXXX  Bank as I did not apply for credit with this company. I called all  XXXX  credit bureaus to notify them of the fraudulent activity.  XXXX  and  XXXX  immediately removed the inquiry, but Equifax did not. Equifax told me to call   XXXX   XXXX   to have the inquiries removed. I called   XXXX   XXXX  . They stated that the would submit a request to the Equifax to have the inquiry removed, and to date, both inquiries are still being reporting on my Equifax credit file. I have called Equifax several times in regards to this matter and each time they tell me to call  XXXX . I called  XXXX  and they keep telling me that they have submitted the request several times to Equifax, but Equifax is still stating that they have not received anything and the inquires are still showing on my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Data Systems
State: NC

Complaint narrative:
Financial Data continues to report a collec tion account from   XXXX   XXXX   on my credit report that does not belong to me. The account belongs to my son, who has the same name as me. I recently filed a complaint against  Financial Data because they would not remove this account from my credit report. They responded w ith a copy of the contract, stating the account belonged to me. However, in contrast, the very document they supplied displayed my son 's drivers license number and signature ; not mine! I called  Financial Data a nd spoke to a guy named  XXXX , who claimed to be a supervisor. He did n't seem to care that they were reporting my son 's account on my credit report. He told me the only way they would take the account off my report is if I paid them {$450.00} for an account that does n't even belong to 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 explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: GA

Complaint narrative:
Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections company,  XXXX . Now, both are appearing on my credit report and  XXXX  is mis-representing the date the account was open. The open date should have been  XXXX / XXXX /  XXXX   but they are claiming it was open in  XXXX . They are also reporting that I missed a payment in  XXXX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation