vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX/Nelnet purchased my loan from XXXX recently. Initially they sent 2 letters, one of which  incorrectly stated that they purchased my XXXX loan, which they did not. I set up my account and made my first payment which has been withdrawn from my account. Since then, they have never contacted me, however have called my parents dozens of times insisting that I am delinquent on payments. When I called XXXX to discuss the matter, they confirmed that they had called my parents and that my account was paid up to date. They offered no explanation and refused to discuss it any further. They informed me that my parents should no longer be receiving calls. Since then, the calls have not stopped and my parents have continued receiving calls that still insist I am late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA is maintaining a charge off even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any 10Q filing with the Securities & Exchange Commission. I am a member of the   XXXX   XXXX   that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.
SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!
I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!
SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!
I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!
THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Fradkin & Weber PA
State: MD

Complaint narrative:
Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX 2017 I went to Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX phone # XXXX and asked about getting a medallion stamp on some mortgages I intended to send to XXXX XXXX. I was told by XXXX XXXX XXXX that I needed to bring proof of ownership for the securities, as told to him by a person on the phone from his legal department. I returned the following day and XXXX XXXX again called who he said was his legal department with the proof of securities and was told that Wells Fargo does not sell mortgages. I stated that that is not the truth as Wells Fargo does issue and sell mortgages. I later asked for the name of the person on the phone and was told that I could not have it. XXXX XXXX left and returned with XXXX XXXX who identified herself as the branch manager. She said that Wells Fargo is not prepared to perform that service as they only deal wit mutual funds, bonds. Told her this is a mutual fund and she repeated that Wells Fargo is not prepared to stamp the document. Wells Fargo does advertise that they perform that service. This is domestic terrorism as they are creating haemorrhaging in the American economy and hindering trade and commerce and depriving tax payers of jobs and potential tax revenue.

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 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call transunion to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too.
First, I report the problem to trans union because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XXXX XXXX XXXX. Trans union said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to trans union and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XXXX XXXX XXXX at trans union. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XXXX XXXX XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XXXX XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to transunion and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XXXX XXXX XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XXXX XXXX XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XXXX and I submit evidence to the IRS I have been in XXXX from XXXX to XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
C ompany placed this on my credit report and I do n't know who they are as all my student loans a re handled through Dept. of Education.

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 2017-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, I received a call from XXXX XXXX, XXXXXXXXXXXX, at XXXX XXXX XXXX ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, VA XXXX XXXX XXXX Tel XXXX | Fax XXXX to refinance my home. I was reluctant to refinance with Wells Fargo because they declined my application a year ago and returned my appraisal fee. After he offered to shorten my payoff from 24 years to 20years and lower my interest rate. I was excited for a second chance to refinance so I agreed and he sent me a Wells Fargo link to log into to submit required documents for approval. They sent me an email with a few appraisal companies to appraise my home and the cost of the appraisal was {$510.00} because he stated that he could not go forward without the appraisal fee. After I chose the appraisal company, XXXX XXXX and Escrow ( XXXX ) XXXX in XXXX XXXX., XXXX XXXX asked me to write the check to Wells Fargo , which I did. I did not receive a receipt or a statement about appraisal refunds I was not approved but when I asked about it he assured me that I would get approved. As weeks went by, after they received my check, they kept asking for more documents and went as far as to ask my husband for documents even when his name was not on the refinance application. I felt that XXXX XXXX was delaying my application so the 90 day time frame would run out. Just as I thought, I received a call from XXXX XXXX onXX/XX/XXXX stating my loan was declined because my husband did not make enough money. I asked why didnt you tell me this earlier and you assured me that I was going to be approved and when I asked for my appraisal payment to be refunded, he told me the company will not refund my money and there was nothing he could do. I am writing you hoping you can investigate this issue because when I applied for a refinance with Well Fargo a  year ago and was declined, my appraisal was refunded within 30 days. I feel I was scammed and is very disappointed with what just happened to me. Please help. <P/>Others Involved : XXXX  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 monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lendmark Financial Services
State: MD

Complaint narrative:
Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I requested debt validation/verification from  Bonneville Col lections. The amount and orginal creditor did not correspond with any information I had in my files. My first request was received by registered mail on  X/XX/2017   , my send request was received by registered mail on  X/XX/2017   . I provided my current address and identifying information. They have failed to respond to my requests. In addition, with each letter I have sent requesting verfication, they have marked my Credit Bureau account disputed/verified/resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: B&B Funding, LLC
State: MS

Complaint narrative:
XXXX claimed to be my mortgage servicer and for years my mortgage payments have been misapplied, misappropriated and flat out stolen from me, and now the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demanded a Qualified Written Request ( QWR ) and dispute of Debt, validation of debt pursuant to the Fair Debt Collection Practice Act and other Federal and State Laws from the XXXX XXXX XXXX XXXX XXXX which I have attached I never received anything from The XXXX XXXX XXXX XXXX stating the validity of the Debt nor did I receive proof of standing to foreclose from the XXXX XXXX XXXX XXXX XXXX nor the exact date in which they say I went into default or the exact dollar amount thereof. I believe I am a victim of predatory lending practices, illegal foreclosure practices, toxic Mortgage-backed securities, violation of Federal Trust Indenture Act. my payments made were not properly applied by these related companies, based purely upon oversized ambitions, greed and corruption, which led to economic XXXX, they were lax and rife with hidden fees and deceptive practices, fXXXX XXXX  practices which imperiled borrowers. they went against their own underwriting guidelines and that override federal lending standards!!

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 2017-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
XX/XX/XXXX  I changed m y Lease payment due date to  XX/XX/XXXX  and was billed an additional {$160.00} for this change. Ever since t his change my due date has never changed and my account has shown in arrears every year around the same time. I have contacted  MBFS eac h time the payment shows additional fees and after several phone calls, and several weeks later - the solution is resolved and the charges are reversed from our account. I am guaranteed this issue has been corrected and will not be a problem in the future. The following year around the same time. The same thing happens again. Charges and fees are added to our account and it takes multiple calls, and weeks to resolve. Again we receive a guarantee it will not occur. Last month the charges appeared on our account again for the additional fees. We contacted MBFS and have not received a response as of this message. Our  Lease en ds XX/XX/XXXX  and we will NOT be purchasing another  Mercedes Benz.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACS Education Services
State: CA

Complaint narrative:
I have always had my student loan on automatic payment via ACS/  XXXX   XXXX   XXXX   .  I have never missed a payment. They failed to do the automatic withdrawal in   XXXX    2016 and     XXXX    2016. I attem pted to log into my account and it said " this account does n't exist ''. When I called to make them aware they were no assistance and did not fix the problem. I ended up having to call again and make a payment over the phone. My credit report shows no 30 day late y et one 60 day late. That is not even possible to be 60 days late without being 30. They were quick to charge me late fees and tell me they would be correct my account and still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with the National Credit Reporting Agencies. While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
OnXX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX 's problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XXXX with no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX XXXX problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its Chases problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient pr eviously allowed borrowers to apply over-payments directly to specific loans. Their new website requires me to email them each month with specific directions on how to apply the over-payment. If the company was sincerely interested in helping students repay loans in the most fiscally responsible manner, they would not make the correct process so cumbersome. I have contacted them multiple times over the last few years about this issue. Their most recent response - " Unfortunately, we are unable to predetermine how future payments will be applied to an account. If you want extra amounts from your payments applied to a specific loan, you will need to send an email request after each payment has posted to your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I booked a hotel room at  XXXX   XXXX  for  XXXX / XXXX / 2017 . I canceled the room and got cancellation letters with a cancellation number. I was charged {$150.00}. I am still being charged after the cancellation. My credit card compan y, Wyndham Rewards Visa, opened a dispute case and closed it, stating that I stayed at the hotel. They ar e denying to take the charge off of my account. Their statement is n't true and I have provided them the prove that their statement is n't true.

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 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I XXXX XXXX appreciate everything Wells Fargo has done for me, especially helping me re-establish a new trade line for my mortgage modification. My complaint will show that my original mortgage was procured with Wells Fargo Home Mortgage back in XX/XX/XXXX. The loan was taken over by their servicing company known as XXXX XXXX XXXX. The old mortgage is reporting on XXXX  under Wells Fargo Home Mortgage, and under XXXX XXXX XXXX with XXXX and XXXX XXXX. It makes no difference to me how it is reported as the time for its removal is upon us. All bureaus show a cut off of at least five years payment history. I believe that my original mortgage was late as far back as XXXX. In any event, the time has expired in my opinion, even though at the very latest this original mortgage would come off XX/XX/XXXX based upon both servicers showing XX/XX/XXXX as an original default date. The 7-year timeline under the Fair Credit Reporting Act applies and therefore both servicers have an obligation to remove the old account mortgage permanently.

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