vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We have had a fixed mortg age with Wells Fargo for years. We are paying 6.7 5 % interest and approximately {$2300.00} per month. My wife has been sick and totally  XXXX  since  XXXX . Our savings were wiped out in the  XXXX  financial crisis. We have approximately {$150000.00} dollars in equity in our home but hav e two liens for medical bills totally about {$20000.00}. We have been turned down for refinance 2-3 times by Wells Fargo because we are a bad credit risk, yet we have never missed a mortgage payment. If we were not being charged an extremely high rate we could be apply those funds to other bills and be in a much better position. This rate seems abusive and unfair. Seems as if Wells Fargo is intent on keeping us at this high rate until we are force to sell our home, which we do no t want to do.

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: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Dea r Staff, I am in  receipt of threatening letters fr om Ditech Company s tating that I am in   XXXX   days arrears for payments and that foreclosure preceedings have begun. Loss mitigation/loan modification application was forwarded to me. I have made all payments on time, or before the  XXXX  of the month via  XXXX   XXXX   XXXX   XXXX   XXXX     Their confirmation transmissions via email indicate amounts I did not submit.   The correct amount of my mortgage payment is {$1000.00} Leading up to this point, my payment amount was {$1000.00}. This instrument was put together as a grant from Step Forward Michigan in  XXXX . The original loan was a federal mortgage secured through FHA in  XXXX . Somehow, in  XXXX  of  XXXX , Ditech ended up with my mortgage aft er    XXXX   XXXX  .   In the   XXXX   of  XXXX ,  Ditech Company paid the municipal property taxes twice, causing a shortage in the escrow account. They subsequently issued new escrow st atements. The matter of my escrow account was resolved, and all late fees were waived back in  XXXX  ( e.g.  XXXX   XXXX   ) o f this year.   First I was told there was a shortage in the escrow, then a check for {$480.00} was mailed to m e.  XXXX  conversations with customer service revealed the company is splitting the payments and  not posting them nor crediting them to my account as submitted. Now I have an invoice in hand for over {$2000.00} along with foreclosure papers ; the company is claiming an  XXXX  payment was not made, even though the payment was submitted in full on  XXXX   XXXX .   No partial payments have ever been submitted on this account. My desire is that all fees will be waived, that the correct payment amount of {$1000.00} be confirmed in writing, and that my account be fully restored at their expense.   Ditech should lose its privilege to do business in Michigan.   Thank you for your service.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
There are a number of issues I have encountered wit  h Navient that I had assumed were just normal frustrations over loan servicers. Issue number one was the obscure emails I would get stating that my, " Loan document was ready to be viewed '' and was then provided a link that would not take me to my loan documents, but rather my normal servicer website. I would then have to work extremely hard to even find where my loan documents were as they were not filed under any normal tabs or website areas ; I would be directed to login to a separate page and when I would, I would be directed back to my normal Navient account website.
Issue number two, I have attempted to apply for income based repayment plans four separate times with no success. I apply online, my husband finishes his portion of the application that is sent to him, then I get an email letting me know I would be informed when I was approved or denied. The first time, I never got such email so I called Navient after a while and was told the application was never completed ( even though I had    emails proving it ) and I would have to start a new application, but that they would apply a forbearance until it was approved. During my second application, I was requested to provide proof of income, but that if I applied through the IR S Data Retrieval tool, it  would automatically pull income for proof. I decided to apply through the IRS  Data Retrieval  tool to streamline the process. However, I received an email later stating that my application had been denied again since I did not provide proof of income. When I called to discuss this, they said my application was, indeed, expired and I would have to apply YET AGAIN and they would apply an additional forbearance. My third time applying for income based loan repayment I was switching jobs ; I left my previous job in  XXXX , started my new  one on   XXXX   XXXX  but would not draw a paycheck until the end of  XXXX . I applied the third time, immediately calle d Navient and  inquired about my proof of income since I would have no paychecks or pay stubs until the end of  XXXX . I was informed that I would be able to provide a letter of job offer that had my pay scale included in the letter. I contacted my HR department, received the letter, and submitted it t o Navient and  was later informed that my application was denied because a letter of intent did not count as proof of income.   Third, I recently received an email that my loan payment amount was about to change and that action was needed as my income driven repayment plan was about to expire. However, I was never approved for an IDR plan and was still required every month to py {$350.00} instead of an amount based on my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card can celled my card without my request or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I receiv ed 2 letters from Bank of America notifying and informing me that several claims I made with Bank of America in regards to my checking and money market savings account being used fraudulently and unauthorized and having unauthorized and fraudulent transactions and charges on my checking account,  were authorized by me and posted correctly to the account. The unauthorized and fraudulent transactions were not authorized by me. An identity thief used my personal information and my previous and current address to commit unauthorized and fraudulent transactions on my checking and savings account. I made a police report in regards to identity theft and my checking and savings account having fraudulent and unauthorized transactions that was not authorized by me. The fraudulent and unauthorized charges and transactions do n't 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 monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing in regards to my recent experience with Navient and the lack of help I have received. At the beginning of the year, my husband lost his job. We have a young daughter and another on the way and since we lost a large amount of income, we started to have trouble paying our bills. My student loans were getting further behind because I was unable to pay the high payments so I reached out to Navient for help in lowering the payments so I could possibly make small payments on them until my husband found another job. I was basically told by the customer service person I spoke with that losing a job does not qualify me for help. I was astounded. How can losing a large portion of income not qualify me for help? What does if that does not? If I do n't have money to pay the bill, they wo n't get paid. In the weeks following, I got MULTIPLE emails and phone calls fro m Navient saying,  please contact us, we can help if you are unable to pay your bills. So again, I reached out. The customer service person I spoke with the second time was very understanding, very informative and very nice. She offered an option to help drop the payment a little bit. Well today, alm ost two weeks later and after the first automatic payment was withdrawn, I get an letter from Navient stating I am not eligible because I can repay the loans. I am still trying to figure out how my monthly mortgage, power bill and student loans, not considering ANY other bills are more than I make a month mean I can afford to make payments? That would mean my daughter, my husband and I would all starve because we can not buy groceries or I would not have a place to live because my house would be foreclosed on. Or Maybe I should stop making a payment on the car that gets me back and forth to work so then I lose my job and have no income. I am really not sure which one I should choose. The most frustrating part of the entire process is that I get phone calls and emails daily asking me to reach out to Navient because they can help! I have reached out TWICE and received NO help. None. To make m atters worse, I have been trying to change my name for a year on my loans to my married name. I have uploaded documents, mailed them, everything. My name is still not changed. This means that I am unable to login to the website to at least try to get my federal student loans lowered. I have been harassed about contacting them for help, when clearly all they really want me to do is sign up for automatic payments under false pretenses.

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: Receivable Management Inc.
State: TX

Complaint narrative:
a medical bill was added to my credit report for my daughter b y Receivable Management .... ive s poken with them several times and was told to send the insurance info for that time of service ... I did so months ago and it still shows on report ... called today and was told that since it was so long ago that im still responsible for the debt ... I infrm that its not my fault that the medical office fail to report the claim and of course the medical office is no longer in business

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting a collection that another collection company was reporting. I t was removed as the account in question was the result of an accident. This was for the ambulance ride for me to the hospital. Under the state of Florida insurance I had PIP insurance in place for up to {$10000.00} of medical bills ... the company failed to bill it..I can not be reimbursed if I pay ... they must bill the insurance directly..I have explained this to the collection company and they do not care..it is a Florida law that they provider bill the PIP insurance ... I disputed this same information when it was reported by another company..now this company is reporting he same info ... .How do I get them to remove this false/incorrect information? I have disputed this multiple times - each time trying to give more detailed information ..each time they say verified ... how is it verified ... I also never signed anything guaranteeing payment ... this is th e Fire Dept  ambulance service..they should bill properly. Also, ... now Transunion-since disputing this has made it impossible for me to access my credit info online..forcing me to do it by telephone and mail-making it very difficult to get anything accomplished

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: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: CA

Complaint narrative:
This creditor failed to close my account after the debt had been paid off. It took them 6 months so move the status to closed and it still continues to show negatively on my  credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have dispute d my Capital One ac count many times and as of today 's date they are still reporting beyond the 7 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 7years. I have requested payment history but they have not been able to produce it. This account was opened in  XXXX  and has had missed payments starting in  XXXX   XXXX . I was able to obtain this information from their collections team. I am requesting this account be deleted from from Experian credit file per FCRA rules. Per   XXXX    website Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have been trying to to get rid of my mortgage insurance  from US Bank Home Mortgage. Th ey have been telling me multiple different reasons why I can not get it removed from my mortgage for over 6 months. I have done everything they have told me to do, including paying {$150.00} for an appraisal, paying an additional {$3600.00} principle payment in  XXXX   2017. Bu t It 's still on my Mortgage statement for  XXXX     2017 even af ter they assured me it would not be there. Why should I have to pay for their multiple misleading mistakes?

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: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I purchased a pair  of Garage Door Springs  on  XXXX  's website for {$90.00}. The seller (  XXXX   XXXX   }  billed {$90.00} to my  XXXX   XXXX  account, He then billed {$79.00} to my  XXXX  Credit Card (   XXXX   ) account and took the remaining {$10.00} out my  XXXX   XXXX , Thereby billing me twice for the same purchase. I have contacted all parties  (    XXXX   ;  XXXX  and  XXXX  ) I faxed copies of my statements to  XXXX . After too many calls to  XXXX  and  XXXX ,  XXXX  finally, agreed I was charge twice, however, there was nothing they could ( would ) do. I have come to the conclusion that  XXXX  and  XXXX  knew all along I had been swindled, but they were not going to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I called on  XXXX  about m y Citi presti ge card. I called because I was charged the  XXXX  annual fee and I wanted to see if I could get my card changed to one without an annual fee. I called and found out the card can be changed but was not ready to make a decision on what card to change the account to. I went online and saw there are different cards that are offered and called back and decided I wanted to change my card to  the Citi Costco Visa . I did n't have my  XXXX  member ID number available so I ended the call with  XXXX  and tried to call Costco. I was n't able to get them to give me my member number. Since I was really concerned about the  XXXX  annual fee I decided to call  XXXX  again and ask them if they could just waive the fee - I am in the process of buying a house and I did n't want the credit agencies to show that I had an  XXXX  monthly payment. When I called in I asked the girl if it was possible to get the  XXXX  waived, she said let me transfer you over to someone that can help. The next person on the phone was someone from the retention department saying that she heard I wanted to cancel my card. Shortly after our conversation began there was loud static and I realized the call disconnected due to a bad transfer - I have worked in call center management for 15 years and have accidentally done this same thing when talking to others. I immediately call back in and as I am talking to the next person and come to a solution that representative tells me that my account was closed. I did not instruct anyone to close the account. With some help the account was reopened within 24 hours HOWEVER I am now told that not only can I not change my account to avoid the annual fee, but I am also not able to have the fee waived all of this stemming from a rule that exists which states you cant change your account for 12 months. It is n't fair to me that I cant convert to a no fee account now because someone closed my account. At this point I am told my only option is to close the account all together to avoid the fee. It just seems wrong to do that to a customer given that the call was dropped, and a representative transferred me to the retention department whose policy is to close accounts if calls are dropped. In this situation you would have thought that the representative that I was speaking with when the call was dropped would have tried to reach out to me or note the account or something.

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: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mobiloans, LLC
State: NC

Complaint narrative:
I have submitted  XXXX  complaints about this company to the CFPB and they have yet to respond. I am concerned because not only is this reporting negative on my credit, but now they have went as far as contacting my family and my employer. This company and its representative are out of hand, they have called me from (  XXXX  )  XXXX ,  (   XXXX   )   XXXX , and various other numbers. This needs to be immediately deleted from my credit report and harassing called stopped!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID, Proof of address and police report.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been checking into my credit lately because I plan to purchase a house. I see on my credit report that Capital one has reported late payments. I have never had a late payment with them EVER. I have spoke to them and they keep referring me to a collection agency. I do n't know why I have to speak to someone in collections if my account was paid in full before I closed it. I want to keep all my financial business with one company and that 's why I closed the account.

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: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company
State: OH

Complaint narrative:
I have a a unverified account from FOCU S RECEIVABLES MANAGEMENT  #  XXXX . I had previously disputed this account. I have never done business with  XXXX   XXXX   XXXX   XXXX . Pursuant to the Fair Debt Collection Practice s Act ( FDCPA ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request thatFOCUS RECEIVABLES MANAGEMENTProvide verification of the following :  1.  ) The original Application or contract, OR Contract Agreement between FOC US RECEIVABLES MANAGEMENT a nd  XXXX   XXXX  and  XXXX   XXXX   XXXX .    2.  ) Any and all statements allegedly related to this debt  3. ) A ny and all signed receip ts 4. )  Any and all canceled checks  5.  ) Original date of default and collection activity begi n 6. ).  Whether you purchased the debt, and if so, the amount paid for the de bt 7. ) The date ( s ) the debt allegedly accrued 8. ) An item ization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FOCUS RECEIVABLES MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I closed my Target bill and paid the balance on  XX/XX/17    for sum of {$320.00}. I asked that all documents be mailed to my mailing address on file.   Now they are reporting that I still owing money to the credit reporting agencies and it 's negatively impacting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since  XXXX    XXXX   I have been trying to get my free  credit score form Experian. My credit score from   XXXX  is  XXXX . M y credit score  from   XXXX   is  XXXX . But my FICO score is  XXXX . Experian will only provide me with a very truncated credit report and no score. Experian also wants me to pay for  my credit score. I  refuse to pay and Experian provides not alternative.

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