vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 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: WI

Complaint narrative:
I called in to ensure my XXXX Grant was converted to a loan. However, after it was finally converted, my payment plan for my federal loans was somehow changed to a standard 10-year rather than the extended I had it on. I called in again to have my payment plan fixed back to the extended plan and was assured that would be taken care of. I also requested an investigation be taken to find how my loan plan was changed without my authorization. I was later informed that it was automatically triggered by my conversion of the XXXX Grant -- although I had to call again to obtain this information as XXXX did not supply it as requested. I also requested that my XXXX Grants be scheduled for payment rather than staying in the grace period. I was assured that was also taken care of and placed on a 10-year repayment plan. This was per my phone call with XXXX ( emp. ID XXXX ) on XX/XX/XXXX. I requested my XXXX   Grant start getting paid down around 19 minutes into my phone call. 

However, I decided to double-check this around XX/XX/XXXX. My automatic payment plans were removed and I was placed on an administrative forbearance due to an error on XXXX ' part.The XXXX   Grant was also still in grace and no payments have been scheduled to be withdrawn for that balance either. I sent written notice of these errors before XX/XX/XXXX. 

After calling back on XX/XX/XXXX and XX/XX/XXXX, I was informed that I had been misinformed about being able to have my XXXX  Grants put on an automatic payment until the grace period was over. 

A letter mailed XX/XX/2018 also shows that after paying off two of my loans, my payment plan was again changed without my authorization. Rather than staying on my extended repayment plan, my loans were automatically placed back on the standard repayment plan once again. 

My complaint deals with the ethics of XXXX and how they are managing my account, especially in conjunction with how their mishandling may be costing me more money in interest. I should not have to call in every time to change my payment back. The many hours are a waste of my time when they are making money off of me. My complaint also deals with their unauthorized changing of my payment plan without permission and their response that there is nothing they can do about it because it is automatically generated by their system. The reality is that it is an unethical practice -- especially when I had been previously informed that when I paid off a loan, the current loan payments would be deducted from my current plan and I would be paying LESS, not MORE than my current amount. That was a lie, as my plan was not changed to accommodate the two fewer loans I had paid off ; the loan plan itself was changed to a completely different plan and I had been given faulty information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: Synovus Bank
State: GA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account SYNOVUS BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNOVUS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I called EQUIFAX to cancel my existing plan to re-enroll in the same at a lower price ( from {$29.00} to {$19.00} as advertised ). During the call, the agent asked for my credit card number, which I provided. I then asked what was the purpose of providing the number to which she replied that she needed it to initiate the new product which would result in a charge of {$19.00}. about 15 minutes into the call, the agent advised that systems were slow and asked me to bear with her for a moment longer. During that time, I checked my credit card statement with account associated with credit card I provided and saw that my account had been charged {$19.00}. After reviewing my statement, I immediately logged back into my EQUIFAX account only to find that my product had not been activated. By this time, the length of the call had reached 36 minutes and what I expected to be a simple transaction, turned into a billing issue.I allowed the agent a chance to rectify the issue but after 20 minutes, I desired to speak to a supervisor. At 56 minutes into the call, man who stated his name was XXXX with employee ID as given, is XXXX, advised the charges were initiated as an attempt to activate the product / plan under new rate of {$19.00} but failed due to an unforeseen authentication error. I demanded the reason for the error to which XXXX stated he was not aware and that the charges were pending and would be voided within 24 hours of the time stamp of the call. Transaction ID as given by XXXX is XXXX with initial timestamp of XXXX, XX/XX/2018. I expressed my frustration and requested a free month of service for the aggravation to which XXXX replied that executing such a request was beyond his authority. I immediately launched this complaint with claim upon which relief MUST BE GRANTED on grounds of discourtesy and and mismanagement of my account. The desired outcome is a full 3 months of premium free service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I started an application for an auto loan but never submitted it. I just filled out the initial information about me. I did not submit it because i was waiting for my credit score to improve as indicated on XXXX XXXX. Next thing I know, NFCU did a hard check. I tried to resolve this with the company, but I got told off. They claim I agreed to let them do a check just by beginning to fill out the application. I asked for them to provide that agreement to me and they could not. I demanded they remove the hard check. They did not.

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 2018-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I spoke with Fay Servicing on XX/XX/XXXX requesting a billing statement which reflects the amount due in order to bring my account current. My account manager- XXXX advised that she could resend a demand letter that was sent previously. I provided her my email address and re-authorized email communication as it was done previously. In the interim, she provided me with a payment amount of {$2700.00} needed to bring my account within 30 days past due. She also suggested loss mitigation as I fell behind on my payment due to a car accident. I explained to her that the amount was being paid by a settlement/modification wasnt needed. I sent a payment of {$2800.00} on XX/XX/XXXX. I begin to make monthly payments the following month with no further communication from Fay. On XX/XX/XXXX ; I received a letter explaining that my XXXX payment of {$980.00} was not accepted as my account is in pre/ or active foreclosure. The check payment was returned uncashed to me. I immediately emailed my account manager for clarification on why the payment was returned. My account manager called on XX/XX/XXXX-unaware of the email sent or returned payment ; requesting an update on the loss mitigation documents. I explained the issue/she located the email sent while we were on the line. Upon further research ; she explained that the {$2800.00} payment was misapplied to another lien account. She explained that she would reach out to her manager to have the payment applied to the correct account XXXX ; collections activities would cease and I can make payments going forward. On XX/XX/XXXX ; I received a {$2800.00} refund check from Fay Servicing. I called in on XX/XX/XXXX and was advised that there was a request to refund the misapplied payment vs apply to the correct account/that the account is still in active foreclosure. Please assist with getting a reinstatement amount/ additional processing fees waived. This is the 2nd issue that Ive had with misapplied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
XXXX-18 Got notification on both my XXXX and XXXX  credit reports that my SLS Mortgage balance had been increased by {$8100.00} total on XXXX  and by {$8200.00} on XXXX. 

I have not received any description or notification from SLS and have submitted prior complaints about them changing my payments, rates, and then reporting me 120-150 days delinquent. 

I have all receipts showing all payments were sent and received on-time by me thru XXXX XXXX and received by SLS electronically on same day. 

My credit reports both have been negatively affected by these errors and I have again notified the XXXX  of Colorado, since these issues had occurred many times, and then corrected after my legalized complaints with all evidence and proof of 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
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
XX/XX/XXXX RE : M & T BANK QUESTIONABLE UNETHICAL BUSINESS PRACTICES Residential Mortgage Loan Pay-off Date : XX/XX/XXXX M & T BANK ML # : XXXX LIEN RELEASE INSTRUMENT # : XXXX DATED XX/XX/XXXX County / State : XXXX County, NV Dear Consumer Finance Protection Bureau Support : Subsequent to the above-mentioned mortgage loan pay-off, we requested the stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument numerous times without success. All required Residential Mortgage Loan Pay-off fees/charges were paid in full through Escrow, XXXX XXXX XXXX XXXX XXXX ( File # XXXX ) as of XX/XX/XXXX. 

On XXXX ( @ XXXX XXXX PDT ), XXXX of the M & T Bank Residential Mortgage Department ( XXXX ) disclosed that 1 ) pursuant to State Law , M & T Bank must record the pertinent Lien Release within 30 days of the mortgage pay-off, 2 ) M & T Bank will NOT provide us with a copy of said Lien Release and 3 ) we must contact the XXXX County Clerk directly to submit the appropriate fee ( s ) to acquire said copy of the Lien Release. 

We have purchased and sold numerous real properties since XXXX and never had this situation occur whereby a lender & /or the assigned mortgage loan servicing agent does NOT provide the above-mentioned items upon mortgage loan payoff. 

Kindly assist us in our efforts to acquire the above-mentioned stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument. 

M & T BANK Contact Information M & T BANK Residential Mortgage Loans XXXX XXXX XXXX NY XXXX XXXX M & T Bank Headquarters XXXX XXXX XXXX, President and Chief Operating Officer XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Thanking you in advance for your responsiveness and assistance. 
cc : Complaint Submitted XXXX of XXXX  New York XXXX XXXX XXXX XXXX XXXX, NY XXXX ( 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 explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXXXXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 EXETER FIN - XX/XX/2017 XXXX XXXX - XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: PA

Complaint narrative:
Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX  - XX/XX/2017 XXXX XXXX - XX/XX/2017

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 2018-11-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/17 fifth third bank dispute XXXX not my account or correct social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CT

Complaint narrative:
Procollect has damaged my credit reports and violated my rights. Attempting to collect an unfair debt, also not having a valid license to collect debt in the state of Connecticut. I have complained to my Attorney General, and A Procollect representative responded by saying that my account information and social security number has been mixed up with someone elses. Due to the inconvenience that I have been receiving for months, I want Procollect to send XXXX and XXXX written documentation that they will no longer be collecting on this debt! My credit reports have suffered, and it is a defamation of my character. I have attached an email Between my CT Attorney General and the Procollect representative. Procollect owes it to me to send documentation to the credit bureaus to have this debt removed immediately!!

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I've recently checked my credit report and seen that I had four separate hard inquiries from the same creditor for a personal loan. I have sent a removal dispute letter to the creditor and have not received a response or any result on my credit report. 

ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX CH-XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy XXXX CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I recently was billed by my local XXXX doctor regarding charges for services I did not receive in the total amount of {$210.00}. Because of my failure to pay for services not rendered this office turned over my outstanding bill and all of my medical records to Gulf Coast Bill Collections out of XXXX, FL which is a direct violation of confidentiality and HIPAA laws. I am writing this letter to inquire where I would turn to for help in resolving this matter. Please contact me with any information possible as to actions I should take from this point forward or who could be of assistance. Thank you for your time. 
Contact Info. -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Ad astra recovery services also XXXX XXXX wont remove this from XXXX after being removed from other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: LD Holdings Group, LLC
State: MD

Complaint narrative:
I am mortified. 

My husband lost his job and when I am able to challenge credit reporting practices across all three agencies ; I will take my cause all the way to the supreme court if needed. 

Due to the loss of income my husband provided caused all of our debts to be behind. 

We have moved to a new city and planned to be in our new home by XXXX. 

As we are in the homebuying process to purchase a home in my name only, I can not have any late payments on my credit to delay my home purchase. 

I was devastated to find a late payment on my credit file in which the shock sent me to the hospital the same day. 

I have documented proof of my hospital visit. 

My original due date for my Loan Depot Loan is the XXXX of every month with a fifthteen day grace period. 

Therefore, I have should have 33 days to get the payment in or it's considered late and reported to the bureaus. 

According to my records my payment was made within 30 days. 

I am devastated my home purchase has been delayed due to the terms of my mortgage I can not receive final approval until this late payment is removed from my credit. 

Due to this error I have been forced to lease an apartment until this error is removed. 

Even writing this I feel like I'm about to have a XXXX XXXX. 

Please remove the late payment immediately. 

For the record I intend to take my cause all the way to the supreme court for companies who are receiving interest on a loan or credit should not be able to report to the bureaus for a 30 day late payment and the repayment terms should be renegotiated with the interest paid and the remaining balance. 

It's not fair to hold a person 's credit file hostage for 7 years with a late payment filing especially if a personal or household is experiencing financial hardship for any reason. 

In most cases the original loan amount has already been paid in full ; it's the interest that is carrying a balance. 

Companies need to stop being greedy and offer individuals relief who have paid their company handsomely in interest rates and not a 7 year sentence of injurious nature to a persons credit file adversely affecting their lives for seven long years. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief