vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I tried to make a online payment as I do every month with the same banking information, The system kept telling me a error message. 

I therefore called to Customer Service to initiate a phone payment, Customer Service has advised me that the online payment center it out of service and all payments must be done in the Branch or By Phone. 

In the mean time that I kept trying to make the payments, Wells Fargo had me reported 30 days late with the bureau. 

Thanks

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 2019-02-11 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 — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My credit card info was compromised, there were numerous log in attempts, transactions and payments with out my knowledge of consent. Its been month Ive contacted the company numerous times no one has looked into it or anything! They keep talking me about a dispute from XXXX which was resolved but fail to look into what Ive notifed them about which took place on XXXX and is still occurring and yet Im being contacted by collections everyday for the debt! The company had also confirmed theyve sent my cards to incorrect address in the past!

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 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
I tried calling to pay a debt no one was able to locate my debt when they said they located it they told me my last name was something completely different leading me to believe it was an error and I dont have a debt but my credit report shows different. The gentleman was rude and told me the account number I had was wrong and my Name and last 4 of my social said Im someone else multiple times. Never though it would be this difficult and be treated so poorly to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
This dispute involves SunTrust Bank re : Mortgage Loan # XXXX We received our last statement XX/XX/18, due XXXX. ( not late until XXXX ). 
We paid the Total Amount Due : {$720.00} through XXXX XXXX Bill Pay on XX/XX/XXXX. 
XXXX XXXX has confirmed the payment was received via electronic transfer by XXXX We left town for the Holidays, upon return we received three documents from SunTrust. 
1. A letter of Congratulations dated XXXX that our last payment was less than a monthly installment and to please call for a payoff. 
2. A letter dated XX/XX/XXXX informing the XX/XX/XXXX payment of was not received. 
3. A letter dated XXXX informed us we had requested a payoff. 
[ Please note : we did not request a payoff until XXXX. We paid it off XXXX. ] This letter also stated our payment, Total Amount Due : {$720.00} was held in suspense. 
This letter also listed an {$84.00} recording fee, which has not been disclosed prior to this letter in any other correspondence. 
We received mail until XXXX, and not one of these letters was delivered by that time. We then left town for the holidays, returning XXXX. 
We contacted SunTrust Bank the first Monday after our return XXXX and wired the payoff they requested at that time, which included a late fee or {$90.00}. In addition, they reported that we were 30 days late with our Total Amount Due payment, which XXXX XXXX XXXX  has confirmed was received by XXXX and transferred XXXX. 

We have contracted the Credit Dispute Department and they will not talk to us or give their full name or identification numbers. We are now trying to obtain a new mortgage loan for retirement property and we were declined initially because of this inaccurate credit report. We have submitted a formal dispute via fax, they will not give out a phone number or email for this department. We are asking that this action be resolved by XXXX. We have an inspection of the new property scheduled on XXXX. The cost of this inspection and loss due to higher risk, which we do not deserve, could be over {$10000.00}. To this end, we are soliciting an attorney to litigate this error. We have documentation we are happy to share, including mail from multiple offices clearly indicating that self-automation or lack or awareness is a problem with this Bank / Mortgage lender.

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 2019-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
While my husband was on XXXX XXXX I had took out a Parent Loan using SallieMae as the loaner for our son who was going to school at XXXX XXXX College. The loan amount was for XXXX. Since then, the loan amount has grown absorbently to XXXX because of large fees. I had been in constant contact with Navient which had purchased the loan from SallieMae, in order to pay off the loan. We have been paying a monthly payment which has created some hardship for us. We decided to be a good steward of our money and pay it off and they considered it saying they would check with the CEO, but I was told that we had to have the money available to send. With that in mind we refinanced our home and offered them XXXX as a settlement amount. Our home loan then went up because of that word. Back in contact with Navient they then said they would not take less than the full amount of the loan. THey have lied to us, harrassed us on the phone and have made us live stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I had my mortgage set up for automatic payments. These were bi-monthly payments of {$600.00}. Without my consent/request, XXXX XXXX  XXXX company charged me for the month of XX/XX/XXXX my bi-monthly payments ( {$600.00} x 2 ) plus an additional complete house payment ( {$1200.00} ). They essentially took 2 whole house payments for he month XX/XX/XXXX. They did the exact same thing for the month of XX/XX/XXXX. I did not set this up or request it. The only way that I new this was happening was when I looked at my bank account it was almost empty. I need the 2 extra payments they took from returned to my bank account immediately. I have been talking to XXXX for the last 3 weeks. No one at XXXX is doing anything to help me with this issue. It is causing me severe financial hardship. I was told 3 weeks ago that I would receive a check. I have called XXXX several times to find the status of this check. No one at XXXX can find the status of this supposed check. When I call XXXX, someone looks at my account history for the months of XX/XX/XXXX and XX/XX/XXXX and they say " wow, this is really a mess. How did this happen. We will definitely have to figure this out. '' Although no one at XXXX has done anything about it yet. Every time I call no one seems to be able to help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I purchased a new vehicle from XXXX XXXX XXXX off XXXX XXXX in XXXX. The sales man called XXXX XXXX XXXX to get my payoff on that day which was {$12000.00}, but failed to inform me they did not process the payment until XX/XX/XXXX. Causing more interest to acrue on the loan making it that they left a balance of {$150.00}. That balance then continued to increase with late fees until they FINALLY paid the account down to {$0.00} on XX/XX/XXXX. Not to my knowledge until XXXX called me saying the payment was late in mid XXXX was I aware of this, I immediately text the sales agent and informed him, he said he would get right on the matter and assured me again the issue was handled and he would overnight a payment to XXXX. It was not till middle of XXXX that I reviewed the credit report and saw the late payment on my credit report. I have since called XXXX and XXXX XXXX XXXX multiple times. Some of the representatives say they are helping and will have it removed, while others have said that they can't resolve the issue and transfer me to another department, I have exhausted all other resources, as I would have liked them to resolve their mistakes. I have never had ANY late payments on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: PA

Complaint narrative:
There was an unauthorized hard inquiry on my credit report, as provided by credit karma, from XXXX XXXX, today, XX/XX/2019. 
Neither I nor any member of my family has contacted XXXX XXXX for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I thought I was on track with the " help '' of Navient to be in line for the PSLF and that is when I found out that my publicly backed student loans do not count as qualified payments. I needed to convernt my loans to direct loans. My loans were owned by the department of ed and serviced by navient, but that wasn't all that was needed for the PSLF. That seems to be what was best for navient. Also, I spent years struggling to repay and Navient kept pushing me into hardship forbearances instead of even telling me about the income based repayment plans. That would have saved me a lot of fees and interest over the years. 10 years out of school I have a student debt principal about what I borrowed. I would say the train of misinformation began after my XXXX XXXX  in XXXX with forbearances and fee city. In the early XX/XX/2010 's I got setup on IBR after reading about it online and struggling with the company to get me the paperwork. I was never explained about direct loans vs FFEL, which my school pushed me into the FFEL loan program as far as I can tell, no alternatives were explained. I was misled about the PSLF qualifications with my IBR based loans as qualifying even though they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Hi, I am having a problem with RUSHMORE LOAN MANAGEMENT reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX   report you reporting my account was on time but XXXX and XXXX you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Checked my credit report on XX/XX/XXXX and Navient was reporting on a student loan Ive never had with them. They recently started to report on my loans who were with XXXX and now XXXX yet they have hit my credit horrible and my student loans are from XXXX they could not have been my services ever and I want this information removed. 
I have a credit attorney working on this and they have never been able to provide documentation and kept reporting till XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Collections U.S.A., L.L.C.
State: CO

Complaint narrative:
Credit co did not Bill insurance Company XXXX take {$0.00} copay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have one loan in my 28 years of living giving me the same issue. Whats happening is the loan is being sold over and over and over again. Upon my research in fact Nelnet have two different account numbers for the same loan making it look like more than what it is. I also reached out to them because this loan was established in XXXX! Its XXXX and Im still fighting to have this removed! I currently got in touch with the creditor that have the loan today to work to get it in rehab status. My issue is I also reached out to the credit agencies all 3 major ones to despute all inaccuracies and try to get stuff of my credit. So far only one has succeeded in one account! The others will not budge! So nelnet, then XXXX/Nelnet then nelnet/XXXX and last XXXX are all reporting that one loan. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas XXXX Acct XXXX This is the information, I did everything asked of me. To get the agreement in yet Ocwen is again trying to deny my modification. This is wrong i am now being asked to fill out yet a 4th package and this is wrong I paid {$50.00} to have this notarized. I want my disaster modification reinstated. This have been a nightmare dealing with Ocwen. I am beginning to get sick behind this. I had XXXX and now i am getting sick behind this. Ocwen have tried to sale my house 5 times now. This is wrong. I live in a declared disaster area. If this is not taken care of i will be forced to retain a lawyer. Because i did all that was asked of me the package was delivered on time and notarized on time and i have included proof. That i did all i was asked. They should be calling the notary man. If his part is wrong its not my fault. Ocwen need to call that man and ask. Because all that was required of me was completed before the XXXX i am not a notary so i do not know the rules. As to what his ( notery ) is supposed to do signiture wise or whatever. So i would not have known this was incorrect at all. Had i known i would have had the man correct it asap. Ocwen is yet again trying to deny my modification on wrongfully accusing me of sending them copies instead of orginals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on XXXX. The XXXX is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
On XX/XX/2019, I sent XXXX credit card {$250.00} ; keep in mind my limit is {$500.00} I was not over it. Somehow they ate up {$150.00} 's in fees ; the largest fee being the annual fee of a {$100.00}. This is unexceptable. The advertising shows no annual.

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 2019-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I initially had a loan with XXXX XXXX in XXXX, LA and had been doing business with them for about 4-5 years. They were bought out by Tower Loan a few months ago. Their employees and customer service is HORRIBLE!!! I am currently experiencing a financial hardship and have been for about 2 months so my payment has fallen 30 days behind. I have explained to them that my husband is on XXXX and has had 4 XXXX XXXX in the last 5 years. Last month ( XX/XX/XXXX ) they called me and for the payment in which I informed them would be late. I spoke to their manger, XXXX at the time. He threatened court costs and fees if I did not make the payment within 1 day of his call. I was able to stretch and make the payment by borrowing money from my mom which put me even further behind and naturally continued into the month of XXXX. They are aware that I get paid bi-weekly and that my husband receives his XXXX at the end of the month but insist on calling me on the weeks I do not get paid and I have been in constant communication with them regarding when we get paid. Today, XX/XX/XXXX the office in XXXX, LA called me again 3 times within 1 hour and did not leave a message. Needless to say I was at work making money to be able to pay them. I called them back and spoke to XXXX, I informed her that I was hopeful I could pay them on XX/XX/XXXX when I got paid but was unable to due to other obligations and that it would definitely be on XX/XX/XXXX when I get paid and again on XX/XX/XXXX when my husband receives his XXXX. She immediately got rude, belittling and harassing telling me that if I did not pay by XX/XX/XXXX they'd put court costs on my account of {$220.00} to accommodate for me and my husband being borrowers on the loan, I told her that was a scare tactic and that I could not pay them until I get paid. I asked to speak to the manager which is now different than last month, her name is XXXX. XXXX did the same thing and told me she needed the payment by XX/XX/XXXX or she would be placing the court costs on my account and / or they could come and pick up the collateral which secures the loan. I gain tried to explain my situation and assured her that payments would be made on XX/XX/XXXX and XX/XX/XXXX. I asked for the distract manager 's name and number and asked for that person to call me. XXXX assured she would email him to contact me by the end of the day and Mr.XXXX XXXX has yet to do so. I also explained to XXXX that I have a loan with another one of their offices in XXXX, LA and informed her that I was facing he same situation with them last month and this month and that they have not spoken to me nor treated me the way that their office has. I asked if they were definitely the same company which XXXX confirmed they were.

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 2019-02-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2019, I sent a letter to Trans Union, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have taken longer than that.

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