vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Fay Servicing LLC improperly applied thirteen ( 13 ) payments made to them during my Trial Payment Plan and subsequent HAMP modification from the period of XX/XX/XXXX to XX/XX/XXXX. Eleven ( 11 ) of  the payments included additional principal, but the additional funds were not applied to principal. Fay Servicing stated that the additional payments were applied to past due amounts from XXXX and XXXX, during which time they were not my mortgage servicer - and my home was in litigation for foreclosure. Due to the misappropriation of my funds and accounting reversals and late applications of payments on my account, my account balance due has never been correct, resulting in a higher balance and additional interest that I should not be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I financed a XXXX  XXXX XXXX XXXX XXXX for my son in XX/XX/2018. He purchased a TX Tag which is a prepaid toll tag to allow you to drive on any and all toll roads in the entire state of Texas provided by the Texas Department of Transportation. Upon receipt of the tag, it had been registered to the temporary license plate from the dealership for the vehicle and my son states that he contacted Tx Tag to update to plate but it was never done, however Tx Tag disputes this and says they have no record. Either way, the tag was still mounted on the windshield of the physical car and able to be scanned as driving through the toll plazas. Over the course of a few months, XXXX ( XXXX XXXX XXXX XXXX XXXX ) accumulated an immense amount of toll violations stating that their system determined that the TxTag was not registered to the vehicle it was mounted on, although the Year, Make and Model all matched, simply not the new permanent license plate. We never received the first invoices from XXXX before going to collections to pay for these before they added the administrative fees and collections fees with Linebarger, Goggan, Blair and Sampson. Now they are saying that if we don't pay over $ XXXX they will place a hold on my ability to register any vehicle in TX and I won't be able to renew my driver 's license when in reality it was an error on Tx Tag 's part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: Nelnet, Inc.
State: IL

Complaint narrative:
Department of Nelnet has been consolidated and they still have not removed all the accounts that were closed. They have it on my report multiple times for the same account balances. Please remove all closed account. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
The beginning of XXXX, I got a call from another card questiong a charge to my account of {$400.00} from XXXX XXXX, MN. I advised them I did not make the charge and to not accept any further charges from XXXX XXXX. 

At that time I called my 4 charge cards and told them NOT to honor any XXXX XXXX XXXX for {$400.00}. They all took my request seriously and did not allow any more charges specifically XXXX XXXX, MN for {$400.00} I called Discover also. XXXX XXXX continued from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all for {$40000.00}, XX/XX/XXXX & XXXX, XXXX XXXX ), XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX charges for {$400.00} - XX/XX/XXXX XXXX XXXX again {$420.00}. LOOK AT ALL THE CONSEQUTIVE CHARGES MADE ON MY ACCOUNT with 4 on XX/XX/XXXX alone. 

NO ONE PICKED UP ON THIS ABNORMAL BEHAVIOR. I NEVER GOT A CALL QUESTIONING THE VALIDITY OF THE CHARGES!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
Could you Please send me any credit application with my Signature attached to any credit application that i agreed to pay this Debt also any Type of Medical release forms that i supposedly gave Medical release to information this is consider to be a Hippa Vilation of patient Condifentiality.. If this info is not enclosed I will reach out to an lawyer for a possible lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
My account was transferred from one loan servicer to another. The original servicer did not apply the final payment and I'm being harassed when in fact I am a month ahead on my payments. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/18 I sent the company a signed certified dispute letter with an identity theft affidavit regarding the disputed fraudulent account, costing me {$7.00} in postage. 

On XX/XX/18, I received confirmation that the company in question received my certified packet with the contents listed above. According to the Fair Credit Reporting Act, Section 611, the company has 30 days to review and re-investigate the disputed account. 

On XX/XX/18 I paid my credit monitoring website, XXXX, a fee of {$24.00} to review all three credit bureaus and I noticed that Equifax had not removed my disputed account. It has been over 60 days since submitting my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
Got loan for XXXX  back in XXXX to help with rent, started paying loan back on XX/XX/XXXX of XXXXdollars every Friday which is my payday. As of XX/XX/XXXX still paying already has taken XXXX  dollars from account next withdrawals on the XXXX. To me that's way too much to pay off for small loan.

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 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
Have been trying since XXXX to get a pay off statement. After not receiving in XXXX we called again. We simply want to pay off loan. Last request was XX/XX/XXXX. They said we would have pay off quote in 7 to 10 days. Its now been 15 days.

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 2018-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
They've called me every day, 2-3 times a day. I've answered and explained my financial situation, apologized for the late payment and informed them that the soonest I'd be able to make payment is in a couple weeks. The last person I spoke too told me that was unacceptable and the calls would continue until I paid the debt. I told them the phone calls change nothing and that I'd like for them to stop. I'm aware of the debt, but have zero means to make payment until the first week of XXXX. Continuing to call me, even after being given a answer would be considered harassment. The collectors response was " it's not harassment if you owe us money and that's not a suitable resolution, so we will continue to call. '' so I hung up the phone.

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 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
I was working with someone who said that he worked for PennyMac Loan Service. He said that he could get me a personal loan to pay for a property to fix and flip. He told me if I would pay a fee that I would get my loan transferred into my account. I paid all the fees that he said that I needed to pay and I still haven't gotten my loan yet. I went to the PennyMac site and filled out a request to be contacted and I found out this morning that he is not who he said he is. He said his name was XXXX XXXX and his email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed this account 3 times since XX/XX/XXXX and they keep telling me it is verified and. And have failed to show me what they have on file to verify it when I can't even get the creditor to respond to me about it

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 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
They claim to have contacted me on certain dates. It is a flat out lie, PHONE RECORDS will prove it when this is seen by an attorney as well as all the other documentation we have that proves that Chase Bank is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2018 I initiated a wire transfer from my Bank of America account to my overseas forex account using my online portal. The transfer was rejected by the receiving bank because, by policy, XXXXXXXX XXXX can not be used as a corresponding bank. I called Bank of America 's wire transfer department and asked them how I could specify XXXX XXXX as correspondent bank for the transfer and they stated I needed to go to my bank branch to make the transfer. On XX/XX/2018, I did this, sat down with a banker and specified in the " instructions '' portion of the request, XXXX XXXX was to be used as correspondent bank. Bank of America, again sent the transfer using XXXX XXXX as correspondent bank despite my instructions. The wire transfer again failed. Each time, Bank of America charged me {$45.00} and the receiving bank charged {$35.00} for the return. 

Convinced that they are incapable of handling simple instructions, I took matters into my own hands, by having them execute a simpler domestic wire transfer to a bitcoin exchange where I will manage the transfer in bitcoin by myself.

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 2018-12-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Due to me being uneducated about repaying my loan I was misguided/ misinformed to apply for consolidating instead of correct and helpful information to have this loan discharged I feel now as I have been persuaded in making the wrong decision on the latest application I've submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to obtain my credit report because I was denied for credit due to information contained in Equifax. I have attempted through XXXX  numerous times and also be paying directly on their website. I called and spoke with XXXX, a rep located in the XXXX call center who I asked to speak to a supervisor after being denied. My request was refused multiple times, as I was told they would have the same authority, and wouldn't be able to offer further help. I was placed on hold, and left without an answer. I have only had this issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
For the last several months, I have been receiving 2 calls every single day on each of my contact numbers. The callers either hang up immediately, or refuse to disclose who they are or the name of their company. Today I called back for an agent and was connected to a woman named XXXX. She refused to provide any information regarding the debt, agency, or company, and hung up on me 3 times before I immediately requested a supervisor. This debt has already been paid off, and this agency 's repetitious, harassing phone calls without actual communication is extremely frustrating. I didn't even know this number belonged to a collection agency after MONTHS of their spammy calling.

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 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I paid Western Union {$240.00} on XX/XX/2018 for a transfer of {$210.00} to XXXX, XXXX. When my fiance tried to collect, she was denied, without even being given an explanation. The tracking number is XXXX. When I went back to the place of purchase, they called Western Union and told me that I had to send an e-mail with the tracking number and a picture of the identification, current address, and place of birth. after collecting this information from the recipient, I sent the email. after 2 days I still had not heard back from them so I called their customer service. I spent most of the day on the phone with them, being transferred back and forth. I repeatedly asked to speak to a supervisor and each time I was transferred to a line that just rang continually with no response. The last time I called, my tracking number was not even recognized, nor was the phone number that is associated with the transaction, ( yes I entered the right number, I did it twice ). Western Union has taken my money 6 days ago, and when I tried to get it back, was told that I could not get a refund. As I write this, it is Friday, XX/XX/XXXX. So not only have I been defrauded, but this has also ruined XXXX because they told me that this could not be resolved for many business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: MO

Complaint narrative:
I have disputed this account 2 times since XXXX and they keep telling me that it is verified but not showing me what they have on file to verify this when I can't even get the creditor to verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX transferred my mortgage to another company around XX/XX/2018. This was considered a transfer, this has happened before and should not have been a big deal as XXXX is getting out of the mortgage business. TransUnion reported this I was closing my account and so my credit score was reduced ( Number of accounts and average account age declined ) I called XXXX to understand what happened and then I called new loan company XXXX XXXX. I called XXXX and XXXX both reported my account in good standing. I called TransUnion and they say they can tell me nothing but they see no new status. I am now in limbo, my score dropped in XXXX/XXXX, I know the only factor that impacted it and yet no one can seem to do anything about it. 

I want my credit score to reflect that I have had the account for over 6 years and have never missed a payment. Not that I closed an account and now have an account that is 2 months old.

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 2018-12-21 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: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
I have a couple of derogatory marks on my credit that should not be there. My father and I have the same name. His bills from the Oklahoma XXXX Hospital were put into collections in my name and then sent to my credit report. There are a total of three of these marks, with XXXX XXXX stating that they have been on there since XX/XX/2013. They are all from American Collections, the totals for them are {$24.00}, {$50.00}, and {$87.00}. I have called the XXXX Hospital and they are trying to send the bills to the correct person, but I still need them taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 my bank account was closed for withdrawals. I called Capital One. 

They stated that a payment I received had been marked as fraudulent and unauthorized via XXXX, the payment amount was for XXXX on XX/XX/2018. This transaction was the payment for the receipt of digital goods off of XXXX. I engaged with a trade for XXXX with a user, and they authorized this payment. 

The bank froze all my funds, despite my account balance being ( XXXX ), including access to my direct deposits ( which were verified and cleared ) of XXXX and XXXX. They allowed me to make a withdrawal of XXXX but I was on the phone for six hours, I do not have any verification from them about this transaction. They also did not dispute this charge with me, they did not ask for verification ( which I have! ) on the XXXX which includes encrypted, signed and verified chat correspondence with the user ( for the exact amount ), the payment method. 

I have attached screenshots of verifications of these transactions. They can be looked up on the XXXX network ( XXXX XXXX XXXX ) which is an UNCHANGEABLE registry of actions. I can provide additional documentation. 

In addition, the account associated with my XXXX  account balance here shows ALL the funds deposited to this XXXX  account. 

They are asking me for unreasonable information such as the contact information of the user, rather than asking me for proof of the transaction, which was verified on the ethereum network. In addition, they are closing ALL of my funds, including funds that were in no way due to a payment, while I was on vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2018 a letter was sent to Equifax credit bureau asking them validate XXXX XXXX account and a Bankruptcy Chapter XXXX. From my understanding credit bureaus are supposed to report information that is with 100 % accuracy and they are supposed to respond to my letters of dispute with in 30 days from receipt of my letter. I have attached letters from the United States Postal Services that they receive my letter on XX/XX/2018 at XXXX XXXX. ( See attached ) I received letters from the Equifax credit bureau that they " verified '' a bankruptcy to be accurate through a third party called XXXX XXXX. It was not verified through a legitimate route. To be accurate they would need to get confirmation from a the court that handled the bankruptcy or validate it through a public record not a third party. I do not need the information VERIFIED as the information is obviously on my credit report and I am disputing it. I specified that I wanted the information VALIDATED. I have a letter from the United States Bankruptcy Court XXXX  of Nevada ( see attached ) that they do not report to any credit bureaus. 

I never received any communication pertaining the an XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief