vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 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: AZ

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I was approved for a {$680.00} monthly IBR payment based on my tax information and ability to pay  (  see attached letter ). My status has not changed since that time.     I have paid {$680.00} each month using the  Direct Debit  feature ( see attached document ). Occasionally, I will pay a little bit more in monthly finances allow.     My most recent Monthly Statement indicates I continue to owe {$680.00} per month under the terms of my IBR  Plan   (  see attached letter ).     FedLoan Servicing unilaterally and without warning/notice increased my monthly  Direct Debit  amount to {$1300.00}.     If there was supposed to be a change, FedLoan Servicing did not send me any emails or letters. The last account-related email I received was tax documentation  XXXX   XXXX   XXXX  see attached ).     I wrote and demanded an explanation on  XXXX   XXXX ,  XXXX  ( see attached document ). FedLoan Servicing failed to respond. I sent a followup email on  XXXX   XXXX ,  XXXX . The reason I wrote was because I wanted any and all explanations in writing in case this happens in the future or in the event a service representative reneges on promises or assurances  (  unfortunately, this is common with student loan companies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
This is getting ridiculous. Each month you lie to me. I have had some finical issues and each time people tell me that they will help me and they do n't. They just keep on lying. For example, on  XXXX   XXXX  of this year, I spoke with a gentleman named  XXXX .  XXXX  helped me by saying as of  XXXX   XXXX  he could help me enroll in a program if I paid {$150.00} to keep my account from going to the next person.So I did and I believed him. We scheduled a call for   XXXX   XXXX   on  XXXX   XXXX  to get me enrolled. I left that call feeling like finally, somone helped. Well, I was wrong. He also said he would push all of the calls from me and my cosigners. Well, yesterday,  XXXX   XXXX  my mom was being harassed by Navient, yet again. So I called  XXXX  hoping he could let me know what the issue was. To my surprise, I no longer have  XXXX  I have  XXXX .  XXXX  promised me that he would be my account person now. So  XXXX  tried telling me all of the things I already knew was a problem. I stated to her that to please read the notes, I spoke with  XXXX  and he told me everything would be okay. After several minutes, she magically saw what I was talking about. She agreed to what my deal with  XXXX  was. So again she said I will push all of your calls until we talk on Monday. Which again we scheduled a call for  XXXX   XXXX  at   XXXX   XXXX  . When I hung up yesterday, I was annoyed but at least she understood what the deal that happened only a few days prior. So this morning I am at work and my mom calls and says  Navient  has called 8 times since   XXXX   XXXX   .... It 's currently only   XXXX   XXXX  . Are you serious? I have an arrangement. if someone says they are going to push the calls, they should do their job. I am so annoyed with this company. I 've tried time and time again to work with you guys, spending all my money to pay back these ungodly loans. I need to speak with someone who is competent apparently because I am tired of explaining myself to people who clearly do n't care. Also, these robo calls with  XXXX  are annoying as all  XXXX . Even when you pick up the line goes dead and you ca n't speak to anyone. Seriously this company needs to get it together. Lastly, they say they call me, but I get NO phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: BMW Financial Services NA, LLC
State: DE

Complaint narrative:
BMW financial services is reporting me 30 days delinquent for my XXXX XXXX 2017 payment. I made this payment and it withdrew from my account on XX/XX/XXXX. Less than XXXX calendar days later. It was due on XX/XX/XXXX and posted to their account on XX/XX/XXXX.  There should not have been any credit reporting. This has dropped my FICO score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: NJ

Complaint narrative:
transunion failed to properly in time investiagtae a complaint against a collection agency

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 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
On  XXXX   XXXX  my payment was raised concerning my escrow account. My insurance last year was  XXXX  this year  XXXX . Taxes  XXXX  last year  XXXX ,. This year. my payment went from  XXXX  to  XXXX . I draw  XXXX  social security a month .When I got the mortgage they said my payment would not go up. I have a tight budget but have never missed a payment. I paid  XXXX  on  XXXX   XXXX  and they put charges on my account because I could not pay the new escrow.  XXXX  is not a lot of money to company 's but takes out of my food. There was not that much difference in the escrow. I talked with the company and they said they can not do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
MY  GM  LEASE ACCOUNT IS FAILING TO REPORT TO  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: DE

Complaint narrative:
BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than  XXXX  calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my  FICO  score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: DE

Complaint narrative:
BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than 30 calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my FICO score significantly.

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 2017-06-08 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: HW Holding, Inc
State: FL

Complaint narrative:
XXXX   XXXX ,   XXXX  ,  Hunter-Walfield Inc   XXXX   XXXX   XXXX   XXXX   XXXX  Florida  XXXX  placed a debt on my   XXXX   credit file.     I, was notified by  XXXX  of this action by  Hunter-Walfield Inc  on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX   I spoke with Hunter-Walfield and according to them they placed this debt on my file because my name is the same as a debtor from  XXXX  Florida.     They also informed me that they did not have any personal information on the debtor from the creditor. No!   SS #   or    Date o  f Birth  ,  just a name.      Hunter-Walfield Inc  never reached out to me, before taking this action against me.     They are blindly posting debt to my credit file. This type of action needs to stop!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
Complaint about  American Express  :  1.  Have formerly been a  XXXX   XXXX   XXXX   XXXX  with {$20000.00} credit limit for 15 years.   2. Applied for a  XXXX   XXXX   XXXX  gold card with an offer of  XXXX  fee miles.   3. Airport agent applied for card using my first and middle name rather than my first and last name.   4. Card arrived with wrong name.   5. I immediately called " Customer Care '' at Amex. Took  35  minutes trying to do name change over related to the new card over the phone and was not successful. Amex sent me an email link to submit drivers license on line. After successful submission on-line, I never received confirmation.   6. After a week elapsed I recalled customer service number on the back of the card. No record of submission of name change was found by another on-line representative. I continue to receive mail from  Amex  for the unusable credit card. In another  35  minute call  AmerEx  now claims the on-line name change does process does not actually work and that they will send name change by mail. No electronic confirmation of this mailing was received as promised.   7. Amex would not allow me to speak to a supervisor. There is no on-line information about how to file a complaint. I feel completely adrift, but have stayed with the name change process only to see how abysmal  Amex  has become as a company. Time for new corporate management.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello - This complaint is against  Fifth   Third  Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over  XXXX  for lending violations. While, this is not a lending violation it is a matter of fairness.     Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that was n't the case. On  XXXX   XXXX ,   XXXX  , I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are ; 1. On  XXXX   XXXX    XXXX   - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file.   2. Fifth third bank never called me during the 30 days of  XXXX  to let me know the account was behind.   3. Fifth third bank send  1  letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost  XXXX  years on  XXXX / XXXX /  XXXX  . This is no coincidence.   6. The rep from fifth third bank stated that the late date could not be removed because it 's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported.     I 'm asking that the 30 day late date be removed due to the following ; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it 's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I 'm asking that the bank assume responsibility for not doing all they could to protect me.   3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
house fire, insurance sent check with nationstar morgage as a payee sent to nationstar in  XXXX  they issued a check when we tried to deposit it, there was insufficient funds then a stop payment. Nationstar opened a suspense account in  XXXX  then wrote  two corporate advances for the entire amount then replaced the money in  XXXX . For  two weeks I have not been able to resolve this issue. nationstar says there is no stop payment. finally a supervisor contacted our  adjuster  I do n't know what they discussed but I did receive the supervisors name and number which have been calling but the call goes straight to voice mail says sorry not available.   The  contractor  has stopped work on the reconstruction of my home because he has not been paid.   Also they disconected the pay by phone feature in  XXXX  so my payment was late and they are charging an outrageous late fee of {$74.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Diversified Consultants  is acting as a collection agent for an alleged debt I owe  XXXX  from  XXXX . The amount of the debt includes an amount for equipment which was returned to  XXXX  but for which  XXXX  is nevertheless demanding payment. Since  XXXX  different collections agencies have attempted to collect on this debt. I 've disputed the amount with each and it was ultimately removed from my credit report.     In  XXXX ,  XXXX   Diversified Consultants  again reported the debt to by credit bureau. They also re-aged the debt to appear that it is from  XXXX ,  XXXX , when they apparently received it for collection. I contacted the company and offered to pay the undisputed amount, but also asked that they remove the information from my credit report as it was incorrect. I was transferred to a manager, who told me that it is possible that  XXXX  received the equipment but also charged me for it because the time frame in their return policy is " very strict ''. She also repeatedly told me that under the FCRA they could not remove the information from my credit report -- '' even if  [ I ] p aid the full amount. Even if  [ I ]  paid {$1000.00} more.     The information the company has reported is incorrect in both the date and the amount owed. Further, the company incorrectly stated the law as provided under the FCRA, and used the FCRA to justify continuing to report negative incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
I apply for a loan online and for the amount of {$1700.00} ; but i called them back and i told them i did not need the loan any more ; and then i told them to please delete my information specially my social security but they said they had to leave my information on fil e for 7yrs. I tol d them i was not happy and i ask them over and over to delete my information and they declined to do so claiming it was a policy. Nevertheless at the time of my application i did not see that policy any were, regardless now they are stating that the federal and state laws require them to keep account information. I did not proceed with the loan process therefor I should not have an account. All I did was just apply and cancel before the process was finalized. In fact I did not even send the documents required. I strongly disagree with there need to keep my information for 7 years. I need some assistance in getting this resolved.. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: NV

Complaint narrative:
There are several items Equifax is reporting that is false information I have disputed prior and nothing. This information is inaccurate and false I want removed     XXXX   XXXX   #  XXXX  I do NOT owe {$11.00} inaccurate   XXXX   XXXX     #  XXXX  {$23.00} I do not owe {$23.00} inaccurate and false   XXXX   XXXX     #  XXXX  {$10.00} I do not owe and outdated   XXXX   XXXX     #  XXXX  {$10.00} Outdated and inaccurate   XXXX   XXXX   #  XXXX  {$11.00} outdated and inaccurate   XXXX   XXXX   #  XXXX  Fraud, inaccurate and NOT my account remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: NV

Complaint narrative:
I do not owe this company anything, all equipment was returned. This is false and a scam.    RGS Financial  #  XXXX  {$790.00} Requesting this be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
Reporting unfair business practices and policies by  Midland  Mortgage  /  Midfirst Bank.   I was behind on my Mortgage by 6 months working on mortgage modifications.   On  XXXX   XXXX ,   XXXX   my house was scheduled for auction at the court house without any communications whatsoever from the bank / bank lawyers. I learnt of the sale through online solicitation of lawyers asking me to file bankruptcy to stop my foreclosure.     When I called the bank five days from sale, the foreclosure sale was cancelled. It was later rescheduled for  XXXX   XXXX ,   XXXX  . I never got the official denial of the modification. I was forced to file bankruptcy to stop the sale of my home.   They have continued with their harassing phone calls despite notice by attorney  XXXX  of the foreclosure on  XXXX   XXXX ,   XXXX  .   The bank sends their personnel to my house on weekly basis peering and knocking on doors to leave a flyer to call them freighting my children and billing me for the unappreciated visits.

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 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
I have a Mortgage with Bayview loan servicing company. This Mortgage was initially done with     XXXX   XXXX   and sold to   XXXX   XXXX   and now since last  XXXX    XXXX   it was acquired by  Bayview Loan Servicing  company. The problem I am having with them is they are not adhearing to the original loan. My Payment is due on the  XXXX  of each month with a 15 day grace period to the  XXXX  If  my payment is not received by Bayview by  the   XXXX  of each month they call to every day, even though I 'm not late until the  XXXX .   I am not late and I am ahead of the mortgage by pay more than due each month

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National cr edit Systems   XXXX   XXXX   XXXX   XXXX , ga  XXXX  on  X/X/2017    was given a call in reference to work out payment arrangements on behalf of my niece. I recorded and informed the representative I was speaking to by the name of  XXXX   XXXX  who was the only representative that I was ever able to speak to. While speaking to  XXXX   I a sked him for our options outside the balance in full and let him know I made a {$5.00} payment on the account via debit card on  X/X/17   .  XXXX  then asked me what was I expecting to attempt making that payment. I informed  XXXX  the payment was made because he had threatened to attempt to garnish her wages.  XXXX  then said their calls are recorded and I said so i s this one t hen  XXXX  said he has to terminate the call. I attempted to call the company back multiple times but kept getting forwarded to voicemail. The representative also threatened the consumer with not be able to get student loans because of this which is totally false. I work for th e   XXXX   XXXX   XXXX  . So I left a voicemail on the representatives machine letting him know I will be filing a complaint with the Attorney general and that since they will not accept payment nor arrangemen ts we will consider this debt as paid for. Then I moved forward from there to file the complaint. I believe was this agency is trying to do is agains t the Unfair Deceptive Acts Abuses and Practices act also. Plee let me know what to do forward. I do  still have the recording.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation