vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I had a loan with XXXX now Navient close to 10 years. I never missed a payment for the entire time. They raised my payments and did n't notify or inform me they were going to do that. My payments were on autopay from the bank and were paid on time every month. When I finally figured out they raise my payments, it was too late and they put it on my credit as me being late! Once I found out, I paid the loan off in full. I do n't pay stuff late and they have affected my credit score severely! I 've called and they will not work with me on it, or remove the late payments! These people are crooks and want to keep young people in debt for life!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient/XXXX is reporting me 90 days late on XXXX loans that I had an repayment plan set up that withdrew my monthly payment automatically. I also did not know that they were reporting each one of my loans as a seperate tradeline on my credit report. One late payment made to one creditor has resulted in 4 times the credit impact, which resulted in lenders imposing higher interest rates as a result of that impact. It is also affecting my credit score making it difficult to qualify for a mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) THIS COMPLAINT IS FOR EXPERIAN

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 2016-05-04 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: GA

Complaint narrative:
On Wednesday, XXXX XXXX, 2015 I submitted a change of address to XXXX ; TransUnion and XXXX XXXX informed me It would notify TransUnion and XXXX. To-date, my change of address has NOT been updated. Old Address was : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and mailing address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Apartment # XXXX XXXX, XXXX XXXX XXXX mailed me an annual free credit report on XXXX XXXX, 2015 with my new street and mailing address which are the same. 
I telephoned XXXX and left countless voice messages to XXXX XXXX XXXX at XXXX regarding the update of my new mailing address but she never returned any of my calls. The XXXX online and telephone system will not allow me to access its system to make the address changes. The last time I attempted to speak with XXXX XXXX was XXXX because I simply tired and gave up. 
The same is true regarding TransUnion I can not access my online credit history to update my current street and mailing address. I also need an annual free Credit Report and free Credit Score from both XXXX and TransUnion. I also need the new toll free telephone numbers for XXXX and TransUnion to Temporary Lift Freeze from my permanent credit history accounts without having to speak with a live representative that will charge me money.

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 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I use XXXX to monitor my credit score. Recently I paid off many credit accounts. As I was monitoring my score I noticed that Transunion & XXXX were XXXX points apart when normally they 're only a fews points apart. Upon comparative investigation I notice Transunion dropped XXXX points and XXXX rose XXXX points. It appears the credit utilization algorithm Transunion is using, is different than XXXX. Transunion credit utilization algorithm portion appears to be wrong, because it took a single credit card account that I had 87 % of it 's credit used and counted it as if it were my total credit available, which appears to be the reason why Transunion lowered my credit score XXXX points. I find no other negative change that could have caused this. It not only dropped XXXX points, it also penalized me the XXXX points XXXX rose, which combined has cost me an accumulated XXXX points. I can find no other reason when I compared the two credit reports that could have caused these two changes on the same date. 

Being a XXXX I have see these types of issues happen. I 'm curious, who checks the algorithms of these credit reporting software applications, similar to regular gas pump calibration tests? The consistence and accuracy of these applications that Banks are using to justify the rates they lend to consumers are directly impacted the fees. It would n't surprise me if there 's no one responsible for checking these applications that are helping banks to quietly charge consumers, illegally, higher than earned interest rates. In my case it 's XXXX points, which is the difference between Good vs Excellent credit rating. Depending on how much I borrow, this may have cost me higher than legal financing fees, ranging from $ XXXX to XXXX. 

It just so happens that my credit situation is nearly clean that allowed me to notice this discrepancy. 

Please check into this specific issue with Transuion, also inform me of how the government monitors the applications that generate credit reports on a regular bases to ensure there 's no tempering.

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 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CASHCALL, INC.
State: CA

Complaint narrative:
After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of XXXX XXXX in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.

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
Consumer complaint received 2016-10-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
On XX/XX/2016 a collection appeared on my XXXX credit report for midwest recovery sysyems for a balance of {$790.00}. This is not an expense I have incurred and I have receiced no paperwork on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: FL

Complaint narrative:
I have been fighting with XXXX for over 10 years about my student loans and now i am fight with navient for the same reasons. I was setting of my bank account to autopay my bills, I called XXXX and asked for their mailing address and I spoke to a customer service agent and asked her how much was i supposed to be sending each month she told me {$110.00}. For three months i sent XXXX XXXX dollars and then i notice that i had a posting on my credit report of late payments. SO i called XXXX again and that is when i was informed that the payment was to low. I went by what was told to me by their agent so why should i have to be penalized for her wrong information? THAT WAS XX/XX/XXXX ITS NOW XX/XX/XXXX i have been paying a XXXX to help me remove this from my credit report and ancient has ignore all correspondence from them and me. IT IS NOT FAIR THAT XXXX AND NAVIENT SHOULD BE REPORTING THAT I WAS LATE ON PAYMENT WHEN I DIDNT HAVE NAVIENT AT THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, on my way home from work, I had stopped by a XXXX to withdraw {$20.00} from the atm on that site, and to make a purchase as well. When I got home, I had checked my account balance and had noticed that {$450.00} was missing from my checking account. Following procedures, I called Bank of America to notify them of fraudulent activity, and that money had gone missing. My account was put on a hold until I had obtain a temporary card, and the {$450.00} was credited back to my account. On XX/XX/XXXX, i went to make a purchase at a local gas station, and my card was being decline. I checked my account to find the reason why, and noticed that Bank of America had taken back the {$450.00}. When i called the bank to question as to why that money was taken, I was told that because I had used the atm at that particular store in the past, that they couldnt find any fraudulent activity, and/or that some one had prior knowledge of my account information and was able to make that withdraw. I argued the fact that I had not made that withdraw, for the amount said, nor did I authorize that transaction to be made. As far as I am concerned there is or was fraudulent activity made against my account. I even went as far to have my claim resubmitted to Bank of America- and again, my claim was denied, with Bank of America claiming that they found nothing that seemed fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XX/XX/XXXX, when we were on an XXXX, we were offered a home by XXXX XXXX on XX/XX/XXXX, and we bought the house paying a {$6000.00} deposit ( House was valued at {$160000.00} ). The loan was then taken over by Countrywide Loans ( CL ) and finally Bank of America ( BOA ), bought out Countrywide Loans, which went under. 
XX/XX/XXXX, I suffered a XXXX, caused due to a rear ending of my car by an errant driver, who had no Insurance. The illness caused the company ( XXXX XXXX , XXXX ) that I worked for, for almost 12 years, to lay me off on XX/XX/XXXX. Although unemployed with no means of income from the government ( due to my XXXX status then ), either in the form of XXXX or Unemployment, I continued payments on the house and in XX/XX/XXXX, I requested Bank of America to help me with a Loan Modification. The trial period of three months was also fulfilled but without a job I could n't afford it further and requested Bank of America to reconsider lowering the rate further for me to afford it. In the meantime a company called XXXX from XXXX, California, offered to help and ripped me of for {$1800.00}. 
Since then I have sent in XXXX XXXX prepaid envelopes of documents that the bank requested. Finally when I got a job on XX/XX/XXXX with XXXX , XXXX, I reached out to Bank of America, who once again dragged their feet on the issue making false accusation of incompleteness of documents, These documents were completed and sent to them with the help of their branch in XXXX. To make good my Loan with them, I saved and put down {$11000.00}, against the loan 's principal in XX/XX/XXXX 
Both of the previously mentioned companies took advantage of my status and did not pay me the prescribed wages for which they had filed for my employment. I have reported the matter of XXXX, in XX/XX/XXXX to the Department of Labor ( DOL ) and am still to get my back dues. Now that we are Permanent Residents, I have directly referred the XXXX XXXX having short paid me directly to the Texas Labor Commission. 
Bank of America kept dilly dallying the issue by claiming to be working on my loan modification and then coming up with fictitious claims that my application was incomplete. Now that the price of my home has improved, they are wanting to possess it by foreclosing on my property. 
All of the above has had a big toll on my health I beg you to please help me get this issue resolved. 
XXXX Email : 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 2016-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: OR

Complaint narrative:
Seneca Mortgage is a loan servicer for XXXX. They collect the loan amount as well as hold money in escrow for taxes and insurance. Seneca Mortgage frequently changes the monthly amount owed in order to collect late fees - I automatically pay my mortgage the same amount monthly. Seneca will then make harassing phone calls that we have n't paid our mortgage in full and access a late fee. This is incorrect. We 've payed the mortgage and they 've changed the amount owed for taxes and insurance and then issue a late fee. I have requested that Seneca Mortgage no longer collect our taxes and insurance which they 've denied. I am well with my rights to do this as per XXXX guidelines XXXX I believe this is a fraudulent practice that must be affecting others that have loans with XXXX and being serviced by these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
I received a call from Alliant Capital stating I owe money on a payday loan to XXXX. I told them they had the wrong party. A second person got on the phone and asked to verify my address in order to have a service processor sent to my home because I belong in jail. I hung up because I felt like I was being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
According to Wells Fargo EFS, I opened a loan with them sometime between XX/XX/XXXX and XX/XX/XXXX for tuition at XXXX XXXX University in XXXX, Ca. I did attend that school but I have no recollection of signing a loan with Wells Fargo. I have contacted them on several occasions requesting that they provide me with some form of proof that I initiated a loan with them, which they have not done to date. It appears that Wells Fargo is claiming that I owe them money, even though they are unable ( or unwilling ) to provide any proof that I have taken out a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/2015 I wanted to rebuild my credit so I contacted my banker at Wells Fargo by phone and asked him what are my options to help me achieve the goal. He told me my best option will be to open a secured card with wells fargo and within a year of opening I will be graduated to their unsecured card and have my collateral returned to me. All this sounded good to me and I agreed to put a collateral of {$300.00} down to get a credit limit of {$300.00}. The card was working fine and I thought I might change my limit to {$600.00} so I put an additional {$300.00} for collateral for a credit increase. Everything was working great. But after 1 year had passed and I did not see any change happen on the account I contacted the customer service via phone to see what was going on this. I was transferred to a supervisor ( His name was XXXX ), who had a look at my account and said that I should have already been graduated and he will email the corporate to look into this and I shall hear back within a week. So I waited a week and called back yesterday again and I was told by another supervisor ( name XXXX ) and then finally by a representative from the credit customer care that the previous supervisor lied to me straight up and they can not do anything about it ( this was all on a recorded line ). So after being super frustrated that a supervisor will lie to a customer right on the face on a recorded line I asked so what is happening with my graduation to be told that they can not say anything as this is a automated process while being super rude about it. So basically what it boils down to is that the banker at the branch did n't tell me everything and just opened an account on the pretense that I will be getting my collateral back within a year. He did not take any signature or anything and just verbal confirmation ( which according to law is as good as a contract ). I feel super cheated by wells fargo and looking at their recent wrongdoing findings makes me question if I will ever see that {$600.00} back. This and on top of they have kept charging me annual fees for breaking their own promise and a representative of the company speaks for the company itself. So I will like my money back oir need to know why was lied to and defrauded by the banker ( just to meet his sales numbers? ). And all what I have written can be looked in the recorded conversation that wells fargo has had with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: IL

Complaint narrative:
I applied for a card with XXXX on a " pre-screened & approved letter ''. I was then told that I was denied due to reports from Experian, and XXXX, XXXX. I tried to contact both of them, both refuse to even respond to me, nor was XXXX. These firms know they have wrong credit information, and Experian did send me one letter stating I had to supply information that XXXX XXXX XXXX gave them, doing so just to update their credit records, and report they did nothing wrong. Their actions have done me a great deal of harm, and stopped me from getting medical equipment needed for my mother in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation