vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On  XXXX   XXXX  I had to leave and go to Missouri for 18 months, while away  Wells Fargo allo wed my checking, savings acct. and credit card to be mishandled and closed them and reported them negatively to all   XXXX   credit bureaus, they never reached out to me. When I returned  XXXX    XXXX   I went into my local branch and after careful review they noticed I was not at fault and told me that I would not be responsible for fees that were associated with the account and they were going to reopen my credit card and checking and savings acct and update back to where they were prior to my depArture. None of the above happened, they even made me pay the money associated with the fraudulent activity. After 30 days past while I allowed them to investigate, no one ever contacted me I continued to visit the branch and I was treated like a criminal. They then told me they never promised to reopen any accts. they said they would look into it, what does that mean? Rou ghly 2 w eeks ago they insisted I pay the fees incurred from the late fees incurred on the credit card. I informed them that I would be filing a cfpb complaint.

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 2017-04-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been having an ongoing problem with  XXXX  for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least  five  times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,  XXXX  and Experian just follows   XXXX   and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.

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 2017-04-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been having an ongoing problem with   XXXX   for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least five times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back, Equifax and   XXXX   just follows  XXXX  and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On  XXXX / XXXX /   17  i made contact with the original creditor.  XXXX   XXXX   XXXX . They could not find a bill for me for {$140.00}. Or any amount.  XXXX   XXXX   XXXX   XXXX . I would like to have this removed from my credit. The company attempting to collect the debt is  Debt Recovery Solu tions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I received a late property tax notice with late fees attached on   XXXX   XXXX   XXXX  . I tried to call Fay Servicing , LLC that day and also emailed them. Since then I have sent numerous emails and called several times. I get a random account manager who directs me to leave a message with my assigned account manager. I ALWAYS have to leave a voice mail. The  XXXX  time I reached her on    XXXX   XXXX   XXXX    she stated she would investigate and call me back the same day. Never heard from her. I have attempted twice since then to have anyone call me back, no one has. This is supposed to be paid out of my escrow account, which they have. On   XXXX   XXXX   XXXX   another late fee will be assessed. This is mishandling of funds. I have checked with the tax assessor and it still has not been paid. There have been  XXXX  emails sent to  Fay Servicing  and several voice mail messages left. The one time I spoke to someone they stated it was paid on time in    XXXX   XXXX   XXXX   The   XXXX   XXXX   Tax assessor stated it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
XXXX   XXXX   alleges that I owe them {$1200.00}, after becoming unemployed and divorced after leaving an abusive relationship, notified them under the FDCPA that they were to cease contact with me until I became employed again. They proceeded to continue calling me at unreasonable times, and even called my sister and discussed my debt with her. They agreed to stop calling me eventually, and then my ex-landlord notified me that I had been subpoenaed, and when I called   XXXX   they told me that they could no longer speak with me about the case and referred me to their attorney. They insist they 've contracted my case out, but I think that 's just a loophole to getting out of saying that they sold my debt. Weltman-Weinberg & Reis made first contact with me via law suit, in a different county than I reside, and are suing me for {$1200.00}, but insisted on a phone call & emailed documents that my balance was over {$1500.00}, but they 'd settle for {$1000.00}. The last two statements I have from  XXXX  has a balance of {$860.00}, as does my record from my   XXXX   credit report. I also have a receipt from a cashier 's check my mother paid to   XXXX   a month before the final statement/credit report, and I believe the outstanding balance is reflected by   XXXX   XXXX   's incompetence to secure my account payment and interest on that balance that should have been paid.   XXXX   nor Weltman Weinberg & Reis can provide me personally with statements regarding when these balances occurred, and my experience with these organizations sounds eerily similar to two recent federal law suits brought upon this debt collection agency. Please somebody help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
I applied for an installment loan for {$3000.00} from  Cash Central  at an APR interest of 183.44 %. Beginning on   XXXX  , I agreed to make bi-weekly payments each month for 24 months or until the loan is satisfied. I made all my payments all the way through    XXXX   XXXX   XXXX    when I paid off the loan, in full, with a lump sum payment of {$3000.00}. I chose to pay off the loan early to save money not paying interest, plus my principal loan balance was actually more than the original {$3000.00} even after paying 34 consecutive payments of {$220.00}. However, by paying off the loan in full,  Cash Central  suddenly began reporting the account as being in collections/charge-off along with reporting random months during the loan as being late. I believe that because I paid off the loan with a {$3000.00} payment, they assume the account must have been in collections. Thereafter, every time I disputed the information reported to the bureaus with proof payments for any month  Cash Central c laimed late, they would correct those months but choose  4  different months as being late. Also, while the account was closed on   XXXX   XXXX   XXXX   when I paid off the loan, Cash Central is still reporting Charge-offs for   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . No matter how many times I have proven  Cash Central 's   reporting as ethically wrong, they either change a small detail on the reporting or no longer change their reporting at all. I have run out of options  s I  have invested countless hours disputing this account to no avail, even after paying around {$10000.00} on a {$3000.00} loan just to have it reported as a collection/charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
In early  XXXX , I believe it was  XXXX   XXXX , ou r Visa ca rd, issued through   PNC Bank, was hacked. There were multiple fraudulent charges within a matter of minutes. PNC did a great job of cancelling that first card and not holding us liable for the charges. They initiated a new card which took about a week to get to us.
My complaint is that even though the card was closed because of Fraud, VISA   still gave out our new card information to  XXXX   XXXX , which wa  s one of the charges reported as fraudulent. When we saw it we immediately called PNC and they told us the only thing we could do was to get yet another new credit card. My biggest fear is that VISA will once again give out our credit card information without our permission.
I am an accountant and an auditor by education and I am floore  d that there is not an internal control that would prevent this type of thing from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am writing this for my sister in hopes that we can finally get some resolution to an ongoing matter.     My sister and my family have been having nothing but trouble with the lende r, Navient. They are EXTREMELY malicious and will NOT stop calling. They call ~8 times  per day and we have told them  REPEATEDLY that my sister suffered a MAJOR health ailment last year where she almost passed away. She is NOT currently working full-time because of this ailment and is still on a VERY long road to recovery. After lodging multiple complaints with the lender and a complaint with the BBB, we were promised paperwork for her and the doctor to fill out describing the severity of this ailment, but this paperwork never showed up after almost 3 weeks. We also know that there are MULTIPLE lawsuits against Navient about their p ractices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and we need something done about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Under the Home Affordable Modification  Program ( HAMP ), th ere is the Pay For Performance program, and then the Recast Re-Amortization program which, on the sixth anniversary of your HAMP modification, reduces your mortgage principal by {$5000.00}, AND lowers your monthly payment because of the lower principal.     Bank of America did lower my principal by {$5000.00}.     But, Bank of America has NOT lowered my monthly payment, per the term s of the Recast Letter Agreement. They claim mail d elays for the new paperwork, and then now claim technical difficulties.     So my  XXXX   XXXX ,    2017  mortgage payment amount is incorrect, but I was told to make it anyway, or be considered late. No date has been provided to me for the fix of the 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 explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
AFFIDAVIT OF TRUT H 1 > b ank of america has NEVER responded with a timely valid response   2 > bank of america continues to commit felony crimes 3 > bank of america makes contradictions on their response 4 > bank of america makes threats on their recent response 5 > bank of america fails to show a valid lifetime contract with me 6 > bank of america fails to show VALIDITY of ALLEGED debt after over 10 complaints!!!!!
7 > bank of america is using fictitious names numerous times with is a FELONY and a 1,000,000 fine and up to 15 years imprisonment 8 > bank of america sends me a statement, a statement is not a TRUE BILL!!!! buy a dictionary!!!
9 > to this d  ay  XXXX   XXXX    XXXX  , bank of america can not VALIDATE an alleged debt and commits further crimes and CAN NOT AND WILL NOT RESPOND!!!    10 >  bank of america makes presumptions, and sends me their rules and regulations, I didnt sign it,, and the account has been closed for over 7 years now, and they still try to use methods of threats and extortion to obtain money of an alleged debt!!! clearly criminal activity, show me tangible evidence of a  LIFETIME CONTRACT!!! they cant do that either, they can not respond wit h any validity ON ANYTHING, so as the law states ; silence is acqueecence silence is fraud silence is GUILT!!!     Now I must demand their bonding company and or insurance liability   carrier to file a lawful CLAIM FOR DAMAGES!!!
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and i  s punishable by up to 15 years imprisonment and {>= $1,000,000} fine.

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 2017-04-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec.  605, 609, and 623. On  top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from  Original Creditor and  XXXX ,  XXXX ,  XXXX , with is in violat ion of the law ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Collection Agency RECEIVABLES PERFORMANCE is showing on my  XXXX   XXXX  report as OPEN, a balance due in the amount of {$100.00} from the company  XXXX . It was put on my account on  XXXX / XXXX / 2014 . I have sent several dispute letters and documents to  XXXX   XXXX  showing that I haveno balance and that it should n't have never appeared on my report. I have also spoke with  XXXX  and was agreed there is no balance .Dish also is very annoyed as well because I am a loyal customer to them.Collection Agency RECEIVABLES PERFORMANCE fraudulent trying to deceive money out of me as I am a single parent & they refuse to speak with me to resolve this issue.  XXXX  this be investigate and remove asap as it is damaging my 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 2017-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I may be posting this feedback in the wrong place, but I did n't know where else to go. This complaint is about MOHELA, n ot  XXXX .     A couple of years ago I reached out to Mohela for clarity on how my payments were being applied. I was confidently told the way my payments were being applied was correct and nothing else could be done. I was payi  ng ( a small amount ) over my bill and wanted the additional money applied to my principle. I was told my accrued interest had to be satisfied before I could make additional payments to the principle. Fair enough, however every month the additional money I sent was applied to future payments. The way I understood it, all of the additional money should have gone to my interest, or per my request, my principle. The whole thing was so confusing I did n't pursue it further.
Fast-forward to present, I 've apparently paid off my accrued interest and now -- because of the additional money I pay every month -- I 'm 4 months ahead on my payments. I just called to again ask that any $ over the monthly bill is applied to my principle. Mysteriously the first call was disconnected. The 2nd time I called the man tried to tell me it was ok. All the money was going to my account, it was just being applied in the future AND the principle. Fortunately I 've become a little more persistent over the years so I again explained that I did n't want the additional monthly $ applied to future payments, I want it all applied to my principle the month I send it, and I want a full bill every month, not a smaller bill every month because my overage is being applied to the future.       The man  (  XXXX  ) told  me he had to put me on hold. I was on hold for less than a minute at which point he came back and said I 'd have to send a letter  ( either   through the mail or their site ) stating that I want to " permanently remove paid ahead status ''. He told me if I did n't explicitly say " permanently '', my account would eventually default to applying the additional money to the future.     So all in all I think my issue is resolved but I 'm very frustrated that I did n't get helpful information the first time I called a few years ago. I have t o imagine I ' m literally paying for the bad/lack of information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: SC

Complaint narrative:
I graduated with a   XXXX   XXXX   XXXX  in  XXXX   XXXX . Once my  Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is  XXXX  and on a limited, fixed income. She has been harassed and threatened by calls from  Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In  XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I  was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early  XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up.  Discover  received {$3400.00} in  XXXX   XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare LLC  drafted payment from my checking account and has failed to post the payment. This is the second consecutive time that this occurs. The account is setup on automatic drafts so I do not understand how it is possible to draft the funds from my checkings account and not post them.

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