vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying for two weeks to get my credit freeze thawed so I can complete a mortgage loan I am working on. I did n't have my security pin so I called Transunion to find out what I needed to do. I was transferred to XXXX where I was told that they would mail me a new pin in XXXX days. I never received the pin, I called back and they said they would mail me another one. I needed the credit freeze thawed so I insisted that I need it done now. I was told they are n't allowed to do that. I asked to talk to a supervisor and I was given the same story. I asked to speak to the supervisor 's boss and I was told I would have be transferred to XXXX. I was transferred and the lady I spoke with said if I sent a fax and a copy of my drivers license that they would thaw my credit. I tried for two days 100 's of times and the fax number is always busy. I called back to the number in XXXX and I was told that they get so many faxes to the number that it is always busy, but to keep trying. It is crazy that a company as big as Transunion ca n't handle a simple credit freeze removal. Only one fax number for 1000 's of customers is definitely customer no service.

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 2017-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Dynamic Recovery solutions spoke to me about a debt I attempted to get the representative to email me information to make payments online, she refused this was on XX/XX/XXXX at XXXX. She wanted me to give her my cc or bank # to set it up automatically I told her I can go ahead and pay myself online she got upset and said collection activity will continue and to call her back when I was ready to give my information over the phone. I received another call the same day at XXXX from my understanding if they spoke to me and I requested information in writing that should be sufficient in a day. I feel harassed and disrespected at the fact that im willing to make my own payments and they wont allow me to unless they get my bank information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
We had a XXXX with XXXX XXXX XXXX from XXXX to XXXX, when they charged off the account after only 2 months late. ( we had never been late before ) We closed the account in XXXX and since we were struggling due to the recession, we were unable to make payments. XXXX XXXX filed in court against us. It took until XXXX to get to court and we settled on an amount with no fault on either side. ( we did not agree with the amount they were reporting ). We paid XXXX XXXX XXXX the agreed amount. They have been recording on our Credit Report, inconstant and incorrect information for many years. Although the reporting seems to be gone on XXXX and XXXX, it has now reappeared on Experian and it is showing as a charge off in XX/XX/XXXX! We are unable to dispute with Experian, because we have disputed this account in the past. We called and spoke with the collections dept at XXXX XXXX XXXX and they claim it is being reported CORRECTLY! It has been almost 9 years since the charge off in XX/XX/XXXX, and almost 10 years since the first late payment. All our other creditors worked with us through the recession and we did not fail to pay any of them. XXXX would not work with us. They rushed to Charge Off a 20+ year old account that had never been late and now almost 10 years later they are still hurting our credit and they are not willing to help get this resolved. This account should have been removed after 7 years from the first late payment, yet we are still having to deal with this.Please help.

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 2017-12-29 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: OH

Complaint narrative:
I re-applied for my XXXX plan this year. After being denied ( because I applied " too early '' despite being prompted to re-apply ) then accepted after applying again ( after another 2 months of waiting for a response ) I was given my new calculated monthly payment of {$520.00} that was due to begin on XX/XX/XXXX. I changed my direct deposit amount accordingly and have made payments since then. 
Now, my monthly payment ( starting in XX/XX/XXXX ) has inexplicably dropped to {$110.00}. While I would love to be paying less for my loans, it was odd to me that this changed in the middle of the payment year. 
I called XXXX in XX/XX/XXXX to discuss this issue once I inadvertently discovered it. They were unable to explain why this happened, except to tell me that I have been overpaying my account. Obviously I am confused by this answer because I have been paying the exact amount they told me to pay. This amounts to consumer fraud given that they either over calculated my payment or are now attempting to trick me into paying less now in order to gain more interest in the future. 
In addition, I have concerns regarding the tracking of the PSLF program. I have only 14 months of qualifying payments recorded in my account, despite 36 months of enrollment and payments. I also called XXXX to discuss this. They informed me that 9 months were not added in by mistake despite an application and payments on file. XXXX informed me they would submit this for review and I would receive an answer in 60 days. There is no form or letter in my account to verify that this review is in fact occurring. Finally, they told me that 2 months in XXXX ( XXXX and XXXX I believe ) I am listed as being in deferment/forbearance. I have a record of payments for those months and I never submitted paperwork requesting that status or was informed of it. They refuse to count those 2 months of payments towards my PSLF. If you 're keeping track, that still leaves 11 months of payments not counted towards my PSLF despite FedLoans confirming they have paperwork on file. The only explanation I received was that they were " behind '' in tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 2017-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I was sent via XXXX a letter from BLitt and Gaines for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for Blitt and Gaines stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called Blitt and Gaines and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at Blitt and Gaines I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Student Loan ReFi ( # XXXX ) Unfortunately, I was dissatisfied for the following reason.They lured me into applying for a loan. I submitted basic information including my SSN # and they prequalified me. I submitted more information to conclude the process. At the last minute, they declined the offer. What about the -25 point hit my credit score took?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX I went on to my pennymac acc to make my payment and noticed that my payment for XX/XX/XXXX was {$500.00} more than the monthly payment I have made all year I called pennymac and asked them why and they told me that they had to pay more on my escrow and that they are going to charge me {$500.00} more for the rest of the year I CAN NOT AFFORD MY PAYMENT FOR XX/XX/XXXX AND WOULD NOT HAVE GOTTEN THE HOUSE IF I KNEW THAT MY PAYMENT WAS GOING TO JUMP {$500.00} THE NEXT YR THIS IS NOT MY PROBLEM AND IT NEEDS TO BE FIXED NOW!!! 
SOMONE SOME WHERE MESSED UP AND DID NOT TELL ME I WORRIED THAT IM GOING TO LOSE MY HOUSE THERE HAS TO BE SOME WAY THIS CAN BE FIXED!! 

AND THEY DID NOT SEND ME ANY NOTIFICATION THAT THIS WAS GOING TO HAPPEN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federal Pacific Credit Company, LLC
State: FL

Complaint narrative:
Their license is expired in XXXX XXXX XXXX, Utah and they 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Expired Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am writing this letter to explain a series of unfortunate events that have caused me to turn for you for help. From my understanding, lenders or servicers are supposed to help homeowners stay in their home and avoid foreclosure, but unfortunately that has not been my story. My current servicer is Wells Fargo and I am under foreclosure with a current sale date schedule for XX/XX/XXXX. I have been behind for a few months now and the reason I fell behind in the first place were due to circumstances beyond my control. Back in XXXX, my XXXX fell very XXXX. It came to the point where she was hospitalized and the medical bills were more than {$20000.00}. This set me back badly. However, now I am in a better standing position. My wifes health has improved and I have a very good earning job. I have submitted a new Mortgage Assistance Package to my lender with time in advance from the current sale date, but Wells Fargo has not given me a fair chance to be reviewed for a Loan Modification, even though Ive stayed within the investors guidelines. I even escalated the matter to the XXXX office at Wells Fargo and I have been speaking to XXXX XXXX. She advised me they would review my file and postpone the current sale date, however nothing has been done. I feel all they did was stall. Im at an 8 % interest rate and I make enough income to cover my monthly mortgage payment. Not only that but I submitted a complete mortgage assistance package to Wells Fargo with time to  spare ; I am within 7 days to be reviewed according to investors guidelines and I feel I have been discriminated against because of my domestic partner. Please help me find a solution so I can stay in my home and get back to current.

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 2017-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
Dear Customer Care, I would like to inform that, my credit has been repeatedly hampered by the company. I have no knowledge of this account and it is being put to negatively impact my score. 

Please Kindly help remove this account from my XXXX Credit File. This does not exist in any other credit bureaus. 

SIMONS AGENCY INC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I payed my balance off in full. I called the company to confirm this. They told me it was paid off in full. I was not aware that they claiming that they received the payment late in spite of sending the payment on time. I was travelling and out of the country so I was unaware that there was a {$25.00} dollar fee that has destroyed my credit scoer. So in spite of having paid the balance in full and confirming it. I was charged a late fee and was unaware.

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 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX 2017 I took my car to XXXX tuning to get an upgrade to my exhaust system. I was advised that it would take 3 to 4 weeks to complete the work. I tried to reach the owner of the business multiple times, left several messages no answer from the company. OnXX/XX/XXXXi went to the shop and saw that there were no work done on my car. The owner was very apologetic and stated that he was unable to complete the job within the time frame that we agreed. He also stated that he would give me a full refund of XXXX USD to my original method of payment Bank of America credit card ending XXXX. 
On XX/XX/XXXX he called me and told me that full refund had been made and that should reflect on my credit card within 7-10 business days. And since then my refund has not been made. 
After waiting couple of days, I contacted Bank of America to initiate a dispute as the merchant never refunded me or provided any service or products. Bank of America has not done its due diligence to resolve this matter. I have contacted them several times and sent all the required document multiple times, but the bank of America never provided any resolution to this matter. Moreover they never provided my temporary credit for disputed charge and it affected to my credit rating and payments. This type of service is not acceptable from banking institution because the customers should not chase the banks to have their problems resolved. The last time i contacted them they were not able to find the documents which i faxed them multiple times. Finally they confirmed over the phone that they found everything they needed but till now the issues was not resolved. Such a disorganized service from Bank of America is very ridiculous and very frustrating.

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 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I found unknown charges in my business account at the bank that services my business in small amounts as debits in the mount total of {$780.00} when I questioned the debits was told they were charges from a XXXX XXXX that had been paid and were not to be contested or refunded to me. Since I had not applied nor received a card statement or any record I found out XXXX is a card service of Wells Fargo Bank I found a phone number XXXX XXXX XXXX I called and spoke to a XXXX XXXX who told me was going to E Mail me account agreement, statements etc. but I never received it, I called again and spoke with the same request to a XXXX XXXX who said was sending me the requested information but after several weeks I had not received the information. 
So at this point I believe I have been defrauded by both banks. 
,

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 2017-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Dear Customer Care, I would like to inform you that this does not belong to me. I have previously reported and it has been removed from all of the other credit bureaus except XXXX. Please Kindly remove this from my XXXX credit profile. 

SUNRISE CREDIT SERVICE XXXX Thanks 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 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XXXX 2017 I applied for a Discover XXXX XXXX. The ad said the interest rate would range from 11.99 % to 23.99 % depending on ones credit history ( ad attached ). When I received my card I was informed my interest rate would be 23.99 % & with my credit card bill I receive a credit score. At the time I received my card my credit score was XXXX. I contacted Discover and questioned why I received such a high interest rate and was told they based it on my credit score and payment record. I asked them to review my account and make an adjustment on my interest rate. I was advised they are unable to do anything. I asked them to send me the documents used to come up with my interest rate because I do not agree with their findings. I was advised they were unable to give me any such information. I spoke with the XXXX in AZ and he gave me the same answers. If I have an excellent credit history and I received the highest interest rate then their ad is fraudulent. I feel they are giving this high interest rate to other consumers by default. I wrote to Discover multiple times and received the same response as I mentioned above. Based on my experience I feel Discover XXXX XXXX defaults to the highest possible interest rate regardless of what their ad states which makes their ad fraudulent. Please help me get my account reviewed and my interest rate lowered. Please investigate the company 's interest rate practice on the Discover XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I was sent via XXXX a letter from XXXX XXXX XXXX for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for XXXX XXXX XXXX stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called XXXX XXXX XXXX and the rep stated to be as of XXXX XXXX  their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at XXXX XXXX XXXX I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XX/XX/XXXXthe day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.

Company response to consumer: Closed with explanation