vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-13 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: AZ

Complaint narrative:
In XXXX 2016, I was approved for the Fedloan Servicing REPAYE repayment plan. I was advised that I would need to make a one time {$5.00} payment the next month and then my new payment plan would start. In XXXX, the correct payment did not get applied to my account, therefore I had to request a forbearance ( I can not afford the current payment of ~ {$1100.00}. In XXXX, the payment due amount again did not get correctly applied to my account ; therefore, I had to request an additional forbearance for that month. In XXXX, I was finally able to make the {$5.00} payment ( on XXXX/XXXX/16 ) and was told my new payment would start in XXXX 2016. Again, the correct payment amount was not triggered on my account -- again, I had to request a forbearance. Then again, in XXXX the same issue occurred, so currently, my loan is in forbearance. I have been promised multiple times by different people that the correct payment will trigger. Unfortunately, to date, this continues to be an issue. 

I am currently in a Public Loan Forgiveness Program -- due to the inadequacies of FedLoan Servicing in getting my new payment plan in place, I have not missed out on 5 months of payment credits toward my overall loan forgiveness plan. 
I would appreciate any thoughts or assistance in getting this issue resolved. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: MI

Complaint narrative:
The interest rate on my private student loans have been steadily rising every quarter. They have risen more than 1 % in the past year, with the largest now sitting at more than 12 %. At most, they should have only gone up by .25 % to correspond with the Federal Reserve interest rate hike. In reality, the interest on a loan that ca n't be discharged should never increase. I have never missed a payment, and there has been no change to my income or credit score. I have contacted my servicer twice to inquire as to why they are rising, and have received no response other than " we have received your communication and will be in touch. '' Raising the interest rates on massive student loans for no discernible reason should be against banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was advised to pull my credit report after Bankruptcy. Transunion is erroneously reporting XXXX which is not my account.TransUnion reporting XXXX incorrectly affecting my credit and my XXXX son who is a US Service member.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
This company will put a collection claim on a credit bureau. When I have it removed, they will put it back on and re-age it so it stays on the report for XXXX more years. This is illegal. They will not tell me what company they are trying to collect for, either. They refuse to answer any questions, in fact, except to say I need to pay. They are a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern ; Back in XXXX or XX/XX/XXXX we applied for XXXX of those Making Home Affordable loans with Wachovia which is Wells Fargo now, because me and my husband, both lost our jobs. Those loans were supposed to be 30 year fixed loans and the usually reduce your principle balance so you will have a smaller payment that you can afford. Well first they said we did n't make enough money, so we had to add my daughter 's income to show more income so they would approve us, because I was on unemployment. And then when we finally got temporary approval, first we had to make XXXX payments on time and then it was made a permanent loan. Well to start with our payment before we got this loan was about {$910.00} after our temporary loan was approved, our payment went up to {$1000.00}, starting on XX/XX/XXXX, then XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX, so our payment went up instead of down, they did n't reduce our principle balance like they should have so our payment would be smaller, that was the purpose of the Making Home Affordable loans, but that never happened. Plus it should have been a 30 year fixed, but it was n't because we just noticed that in XXXX of this year our payment will increase and again in XX/XX/XXXX it will increase again. I do n't know if you can help us out and do anything about it since our loan was done wrong, because it did n't make the payment affordable to us so we could pay it ourselves, so for now my mother in law pays our house payment for us because we ca n't afford it and she does n't want us to lose our home, but she ca n't do that forever. We need to get this loan corrected the way it should have been. Because my sister that lives in XXXX, CA got a Making Home Affordable loan last year in XXXX and they reduced her principle balance and her monthly payment went from {$1500.00} a month to {$500.00} a month, that 's the correct way it should be done. So can you please let me know if you can do anything and help us to get our loan corrected? Please help us out if you can!!!!! Let me know what info you need from us, if you can help us. Thanks!!! 
Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a compliant to the XXXX, Equifax and XXXX Bureau regarding the different variation of my name, old phone numbers, old addresses and old employer removed from my credit report. However they have added old address to my report. My request was received by the bureau on XX/XX/XXXX & XX/XX/XXXX, I also submitted prove of my address and legal name and they have not removed the variations of my name, the old address or old employer from my report. I have attached my SSN proof of my address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Equifax is erroneously reporting ( XXXX ) significant items on my credit report:XXXX ) A public record of a " court judgement '' from XXXX NH court ... source XXXX XXXX XXXX the amount of ( {$5000.00} ) This was a small claims court case ... .in which the result was that I lost ( {$600.00} ) ... which I paid immediately..closing the case in XXXX. I can attach the official court documents which support my position. Equifax is reporting this an open court judgment for ( {$5000.00} ). 

XXXX ) Equifax is reporting a public record of a Federal Tax Lien against me from XXXX. This Federal Tax lien was erroneously placed in XXXX, but it was removed from existence ( without having been paid - because it was erroneous. I filed an official IRS Lien Removal Form, which was prompty approved by the IRS. The court of record ( XXXX XXXX NH ) was succesfully updated, and this item came off of the other ( XXXX ) major credit reporting bureuas ... .but Equifax never removed it. 

These ( XXXX ) erroneous items have directly contributed to me being denied an FHA Mortgage through XXXX XXXX bank in XXXX XXXX. I supplied supporting documents to prove this to XXXX XXXX, which they were satisfied with, and subsequently re-submitted through Equifax ... but Equifax refused to remove this erroneous information ... which led to my mortgage application beind denied ... again ... .causing me tremendous financial loss, continuing financial loss ... hardships, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I had a credit card account with XXXX, but due to unfair practices I discontinued services and the card was charged off. Once charged off I never made any contact with the collection company 's that somehow bought debt that was charged off. Midland Funding is reporting inaccurate information- I 've never spoken with them or updated anything. I requested full validation including original documentation with my signature. This is the second collection company who has touched this account reporting inaccurate information i.e. the total amount due and reporting/update dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Went to XXXX for my free credit report. Clicked on Transunion report ; got an error message saying I already received one this year. That is not true. I had my credit report file right in front of me to make sure I pulled the correct one. The most recent Transunion was pulled in 2012 by my attorney 's office using their software interface. 
So I was really XXXX when the next screen from TU was a " come-on '' to sell me my free credit report so I clipped that screen to OneNote to upload with this complaint. I XXXX this issue and learned that TU has been running this bait & switch for quite awhile. Is Transunion ever going to be slapped down for this? How about a swarm of locusts, or better yet a swarm of auditors & investigators from Treasury & Justice to poke around awhile. Nothing but a license to steal, or maybe XXXX from XXXX services got a new gig?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Over the course of the past 2 weeks I have been dealing with fraud on my account with Wells Fargo. There have been XXXX major claims filed and each time I am hearing that it may be up to 10 days before it is resolved. Before the first issue is resolved, another fraudulent activity has shown up. I can not even get back to XXXX. I ca n't close the account because I cant get my money out. I have no way to live on a daily basis because I can not get my money back to pay bills, the mortgage, put gas in my car, or buy groceries for my family. Wells Fargo seems intent on following protocol and letting my family and me suffer. I am not getting anywhere talking to them and I am just a series of case numbers to them. All of this time I am getting overdraft fees and other fees related to someone else draining my account! It does not matter that they say they will take care of it in less than 10 days because right now I am drowning!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
We transferred payment in full on our card, the bank received it and posted it but did not credit it for 7 days. This despite the fact that the funds came from an account at the same financial institution. Meanwhile, our card was declined and we incurred late fees as a result -- again from the same financial institution! Discussions with multiple customer service reps involving hours of phone calls over a one week period led to no answers. A promised call from a " manager '' never occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
We operate multiple businesses and receive several fund options for cash advance, account receivable, term loans, etc because of our strong credit file. The offers demonstrate preapproved deals and some even come with a card and check. I call them and I ask them specific question to avoid any middle broker taking my critical financial information to multiple other companies that may or may not be direct lenders " ARE YOU A DIRECT LENDER AND IS THIS YOUR OWN FUND? ''. I specifically asked them to confirm that they are a direct lender. I will not seek credit from a broker as we have been burnt in the past by fraud. Also, these brokers share my application. I found out that there is a website called XXXX leads and the brokers have found out about my application and shared it among others. There were XXXX inquiries submitted against my Experian credit file by several banks repeatedly in a few days that I have not applied for credit with them and I am not even familiar with them. These brokers lied that they are direct lender and never obtained my approval to run my personal credit. My credit file is now abused by XXXX hard inquiries that I do not even know who initiated them. I want these fraudulent inquiries removed from my personal Credit file urgently as it is impacting my clean and strong credit history. 

Unfortunately it seems that they easily lied and produced my financial information to multiple other companies accessing my personal credit report with a Hard Inquiry. I was scammed with almost XXXX hard pulls almost destroying my credit file. 

I have also more specifically asked them prior to running my credit I must see their type of offer to make sure the type of the loan product is acceptable to our company. 

I have frozen my credit file as I can not tolerate these liar brokers that are all over the country introducing themselves as direct lender or having exclusive relationship. 

I am seeking your help to remove the disputed fraudulent inquiries below.

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 2015-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
After finding a house with our realtor, she stated they had a lender in the same building and referred us to " their '' lending team. After a smooth transition from putting an offer on the home, to signing documents, we tried following up with how things are going. We did n't hear from there for a whole week after many tries. At the two week window before close of escrow and receiving paperwork to remove contingencies, we received notice we had to pay a medical judgment. We immediately wondering why would this come about at such a critical time? I looked into it further and saw were paying a 5 % VA loan in which all the closing cost are being applied to our loan when the lender has said they are paying for it. They beat around the bush when we ask for documents like the Desktop Underwriting which should have shown the steps to avoid our current situation. I have contacted other mortgage companies to compare and they have told me this is a scam. I am at a week to close and want to bring awareness and or legal help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX erroneously mismanaged this account and fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion. They have erroneously reported me as a charge off collection remark since XXXX but more importantly the stature of limitations regarding the FCRA guidelines is from date of last payment which on this dates back is XXXX. And this needs to be deleted off my credit profile as of XXXX. This needs to be updated to current or deleted now for fraudulent reporting activity

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 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My school is XXXX Unviersity, XXXX XXXX XXXX XXXX, XXXX, NY XXXX They contract their payments to Campus Partners, who just this month began charging XXXX per transaction, per loan to pay from my checking account. It is much more to pay by credit card. The only way to not pay those " convenience fees '' is to pay by check or automatic withdrawal. I ca n't do automatic withdrawal because I do n't always have that money available to pay and I need to have the ability to initiate the transaction. I ca n't pay by check because that is not how I handle my finances in 2016. I find it absurd that paying electronically for student loans is the " convenient '' and not absolutely standard option. I 'm incensed to have to pay and pay and pay, since I may have to pay in several transactions, incurring XXXX per transaction to pay my loan. ( +interest )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Office of Richard M Kitrick Esq. LLC
State: NY

Complaint narrative:
I 'm writing regarding to a lawyer named XXXX XXXX who sued me and took the money and misused the money and tried to collect the money again, and when I questioned him telling him I paid you in full why are you still billing me he responded every email you send to me I 'm gon na charge you.please help and stop this XXXX XXXX from stealing cheating and lying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Finance of America Holdings LLC
State: IL

Complaint narrative:
Date : XXXX XXXX, XXXX Subject : XXXX Quit Claim Deed for XXXX XXXX XXXX XXXX, IL XXXX is Fraudulent Complainant : XXXX XXXX XXXX Defendants : XXXX /Urban Financial America LLC/Notary Public - XXXX XXXX In XX/XX/XXXX my parents, XXXX and XXXX ( XXXX ) XXXX purchased the property at XXXX XXXX XXXX XXXX XXXX , IL XXXX. In XX/XX/XXXX my Father XXXX XXXX passed away at which time the said property at XXXX XXXX XXXX was Quit Deeded to XXXX ( XXXX ) XXXX ( Death Certificate and Obituary of XXXX XXXX, XX/XX/XXXX Quit Deed enclosed ). XX/XX/1994 after the passing of our Mother XXXX XXXX the property was quit deeded to myself XXXX XXXX XXXX and my sister XXXX XXXX ( death certificate and obituary of XXXX XXXX, XX/XX/XXXX Quit Deed enclosed ). 

After the death of my sister XX/XX/2014, when packing up her belongings we found a mortgage statement for the property at XXXX XXXX XXXX in XXXX, IL XXXX from XXXX ( XX/XX/XXXX ). Once I found the statement I inquired at the XXXX county office of deeds to pull all deeds to the property in XXXX, IL. I pulled XXXX quit claim deeds ( XX/XX/XXXX & XX/XX/XXXX deeds ) from the XXXX County Office of Deeds in XXXX, IL. The original deed was pulled from the XXXX county office of deeds from XXXX, IL. Unaware a Quit Claim Deed was issued in XXXX XXXX to XXXX XXXX, in which I XXXX XXXX was taken off of the property. My signature was forged on the documentation and registered at the XXXX County Deeds Office. From that time on we were receiving monthly statements showing she took a mortgage out on the property with a fraudulent signature. 

Upon request, I would like this quit deed and loan ( account number XXXX/loan XXXX XXXX/investor - Urban Financial of America ) investigated by the Illinois Department of Professional Regulations Banking Division. 

Sincerely Yours, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation