vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
The Debt you are attempting to collect as a 3rd Party Debt Collector in questionable under current Federal monetary laws. Issue regarding collection practices, debt valuation and collection potential have led others to forgo collection rights with my challenge. These parties include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. 

What this should tell you, my initial arguments disputing this debt with you organization hold validity. Enough so, the prospect of reduced company valuation, adding definition to the identified monetary policy loops holes in the FCRA, or debt validation determining the validity of future collection potential as defined by the IRS and Treasury department that will impact the future of your industry. These factors represented enough risk to cease all collection efforts by the parties mentioned above. 

Your collection attempt represents less this .03 % of 1 % of the debt I formerly held before this began in XX/XX/XXXX of this year. I am asking once again the collection item be removed with a mutual understanding no further actions will be taken on my part. 
If true valuation occurred, it would be discovered I am monetarily exempt and earning under the federal poverty limit. I am preparing to cost your organization far more than the amount in active collection. This is your opportunity to assess the risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have had many problems with Navient. Not sure where to start, but the most disturbing thing is what they did to me this weekend. I called because I had never received the paperwork to renew my income based repayment and the lady verified my address which was an address form 10 years ago in a different state, which is impossible because I get mail from them daily at my current address. Then she said that is probably why I never receive them. They also over charged me one year and put me on income based repayment and had me pay {$35.00} a month for like a year and then next year when I was making more money they had me at XXXX. I usually end up with XXXX dollars due, because I make that little and have dependents to take care of. I had explained that I answered an email that said answer yes and they would not charge me extra but it would not go on my credit report. It is on my credit report in 5 separate entries each month which has messed up my credit tremendously. On XX/XX/XXXX, I was told to do another forbearance to bring my loan current and I agreed. on XX/XX/XXXX, my credit alert emailed me saying on XX/XX/XXXX, Navient posted 5 new late payments on my credit report. It looks as though my unpaid principal is now XXXX after all these forbearances ( unfortunately, I have not been able to obtain employment that allows me to live and pay my bills ), and the last bill I received from them last month was for {$4000.00} to be paid immediately. I have asked about the public services loans, which I have been working for non-profits with children since XXXX and have never received any guidance on how to do this. This company plays major games with people and ruins peoples lives and their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX credit!

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 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
Complaint # XXXX was CLOSED. It should NOT have been since this matter has NOT been resolved. Please see feedback submitted for the above mentioned Complaint number. Please, please, please get this resolved! This company has disregarded my requests since XX/XX/2018! Completely unprofessional 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 2018-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked XXXX  and Equifax to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im XXXX years old. And I never made transactions on my XXXX  card. My nurse is helping me with my credit. Im being taken advantage off

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 2018-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
ON XX/XX/XXXX, I completed a credit application online to XXXX XXXX XXXX. XXXX refuses to give me a decision regarding my credit application. The dealer, XXXX XXXX in XXXX also will not give me a written decison on my loan simply stating : " they dont offer a loan for your type of credit situation '' XXXX also ran a credit application without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I went on to my XXXX XXXX  XXXX website to pay off my card. I had previously submitted 5 other payments with my XXXX XXXX XXXX account and they were all successfully taken. However, on the same day XXXX XXXX  XXXX rejected my payment method stating that my bank did not support this type of payment. Which I found to be absurd and was untrue because I had other cards that I also paid off in full with this same XXXX XXXX XXXX XXXX account and they were all successfully accepted and paid. I called in on XX/XX/XXXX and again tried to resubmit my payment with the same XXXX XXXX XXXX account. Again on the same day they rejected it. I went on line XX/XX/XXXX and tried to submit another payment. I attempted to submit the total amount of {$390.00} to pay off the card. I then received an email on XX/XX/XXXX stating my {$25.00} payment was accepted. 
So on XX/XX/XXXX I went back online to pay my {$390.00} payment. I was rejected stating I need to pay {$360.00} because the amount of {$390.00} was greater than the current balance owed. I went ahead and submitted {$360.00}. On XX/XX/XXXX I received a text from my banking institution stating that I was negative in my account. It was because the XXXX XXXX XXXX went ahead and charged me twice for the amounts of {$390.00} and {$360.00}. I was upset and concerned. I called my bank institution and advised them that the amount of {$390.00} was unauthorized and did not know how or why this was charged because their website clearly stated it would no charge me. My bank in turn returned both payments of {$390.00} and {$360.00}. I went ahead and paid off my XXXX XXXX on XX/XX/XXXX in the amount of {$380.00}. 
Today ( XX/XX/XXXX ) I went on to ensure that this payment was successfully paid and taken to find out they closed my account because of to many returned payments. I contacted their representative via Live Chat and was told that because I have returned too many payments, the account is now considered closed. I am highly upset. I am in the process of trying to get pre-approved for my very first home loan. Improving my score has been a 2 year struggle and battle that I am excited to say has now paid off. The fruits of my labor have been a long trying journey. I have never been late on any card. Paid off on time what I could and now that XXXX XXXX XXXX is closing this card they are hurting my XXXX XXXX, for closing my card at no fault of my own. It was not my doing that they double charged me or that they would not accept my XXXX XXXX XXXX XXXX account. Now I have to pay the consequences of having an account closed which has had impeccable payment history for the last year and has even been paid off in full twice! I am requesting for them to retract the closure of this account or if it can not be done for them to completely delete the entire trade line off all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
This company does not honor the payment due date on our loan. The initial do date for payment was suppose to be the XXXX of every month, instead they refused to honor the correct date and when this was brought to there attention they refused to do anything about it. They would call and harass my husband and myself by the XXXX of every month, stating payment was late and due on the first of the month. We would say that's not true and they would become extra rude, threaten to take our home and call excessively anytime day or night. When you finally call and try to make a payment they transfer you to the collections department, so they can be rude, talk to you like your two years old and demand to know why you did not make the payment on the first of the month? When reporting to the credit bureaus, our credit reports state late and this company also adds late charges. This company has ruined both my husband and I credit reports. At one point I called to make my payment and the manager refused to take it because I would not answer his questions and allow him to be rude me. If cfpb was to look this company up online, you all would see all the negative reviews and complaints. We are in Litigation at this point. They have sued us and we return back to court this month. The court case was adjourned because, no one from the mortgage company came and the lawyer handling the case only provided some hand written payment date change. I have never known any contract that says one thing and does another, without an amended agreement typed, signed and agreed between all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a written response from Wells Fargo, which basically said they did nothing wrong and that in fact I never had a locked in rate. That was not true and again I was never told at anytime during the course of the application that my rate was contingent on my home appraising at {$500000.00}. I got my own appraiser, e said the appraiser that Wells Fargo used left anywhere from {$75000.00} to {$100000.00} off the value of my home. The appraiser I got also said the XXXX XXXX XXXX XXXX comparable was listed at {$690000.00} and sold for cash for {$550000.00}. That property was sold for redevelopment not to live in and was listed as a non-usable property on that tax board website, the appraiser I hired said Wells Fargo 's appraiser never checked the sale of the property, the XXXX XXXX   XXXX XXXX was a transfer of title to a business, yet Wells Fargo had that as a sale {$380000.00} when in fact the property was never sold, the Wells Fargo Appraiser never checked that either. The XXXX XXXX XXXX XXXX property other than being on a busy road isn't close to be comparable.The were numerous factual mistakes about my home as well, with regard to upgrades, efficient heating and cooling system, and size of my property, yet somehow Wells Fargo insists they did nothing wrong. How can you make a determination of value when you are not comparing to properties that are usable properties. I file a complaint with the NJ State Attorney General against the appraiser that Wells Fargo used. I want something done.

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 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report I noticed there were XXXX XXXX XXXX on my account not mine. The XXXX XXXX I used over 5 years or more ago was different from what's being reported on my current report. 

I asked the account specialist to remove them because, first they are incorrect. Second, I only had one and my report is showing 2 erroneous XXXX XXXX XXXX. Third, the box is not mine any longer it belongs to someone else. Fourth, the XXXX XXXX is outdated information that should be deleted and I asked her to remove the incorrect and outdated XXXX XXXX . 

She flatly refused and arrogantly said she chose to keep it on because of my past history of having used a XXXX XXXX . 

My past shows I lived lived at other residences over 3 years but they are not my residences currently. What that has to do with reporting correct up to date information and not what someone feel like reporting. Very inappropriate behavior for an employee responding to the public.

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 2018-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Hi Round-point is refusing to send out a payment from Escow to cover my home owners insurance. I have called and till today they still not have sent my payment. When I asked to speak to a manager or someone that can help, they refuse and place me on a 30-45 min hold. I want to document this event in case something happens to my home.

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 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I spoke to XXXX at Ditech with the concern that my unapplied funds balance was not reflecting the XXXX paid every month for the past three years. She told me I had to write to ask for these funds to be returned to the unapplied funds balance account and that sometimes it is applied to principal. I am very concerned that I have to write asking to return the unapplied amounts. I receive notice when escrow/disbursement tax/insurance are paid. I have not received any notice from Ditech explaining to me when the unapplied funds are transferred. I am requesting full disclosure regarding disbursement of funds and asking these funds to be returned to my unapplied funds balance. 
My monthly billing statement clearly reads that Any partial payments that you make are NOT applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Nationwide marketing group. I purchased furniture with 12 months no interest financing from them. The furniture was delivered in two separate deliveries and consequently, there are two separate special term balances with different end dates. I receive one statement with a single minimum payment due. Wells Fargo applies separate minimum payments against each of the two balances. They do not apply the full payment against the balance with special financing that expires the soonest. The documentation does not state how much of a minimum payment is required against each balance. In discussing this with the company, they can not provide the minimum balance for next month. This makes it difficult to pay off the balance without paying deferred interest since I have no idea how much of my payment will be applied against the longer term balance. My contention is, if there are indeed minimum payments required against each balance then they should be clearly spelled out.

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 2018-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We have an open complaint case # XXXX - XXXX XXXX of Wells Fargo after beginning review via voice mail that she could not complete the review on the original promise date of XX/XX/XXXX and that she would have the results on XX/XX/XXXX. 
This delay is after the law date that Wells Fargo is aware of by indication of their lawyers as they have been notified. This is an act that has caused suits in XXXX, XXXX and XXXX that law suits were brought against Wells Fargo with results in the defendants favor. I have the two voice mails saved, none of which advise me to contact Wells Fargo ( I am reachable ) - when I contacted them via the extension provided the recording stated not a good extension ( again something mentioned in prior law suites ). I am applying for an extension of the law date but all I want is to resolve my mortgage issue and keep my home so in time Wells does not lose money as I have a bankruptcy during term of mortgage but mortgage never re-affirmed. I do not want to lose my home or pursue a law suit or class action event.

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 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2018 No Action was taken and this is not the first time. this has happen several times. I Don't Remember the Dates though sorry for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear, usually my payment due date is about XXXX of the month and its about {$420.00} and my principal and interest is about {$81000.00} for last four years Ive been paying It around XXXX of the month, but now It shows I owe {$82000.00} and I my minimum payment is {$0.00} and due date is XX/XX/XXXX, so I called the US Bank after 20 minuets they can not tell me why not the have clue but theyre telling me we can not get to account But It seems US bank added my payment to my balance and trying to pretend I need to not pay my payment and add more interest going forward I called them three times but Ive been asked to call later I hope is just a technical error but if not imaging how many customer out there that have same problem and Fraudulently charging you more interest by skipping a payment.

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