vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
All of my student loans except for 2 private loans from XXXX XXXX/Navient have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in total permanent XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XX/XX/XXXXand XXXX of XX/XX/XXXX) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay $ XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX/Navient keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Last year the CFPB settled a class action law suit with the 3 CRA 's reporting inaccurate public records and for not verifying correctly a list of mandatory items before publishing them. The new law took affect around XX/XX/. At that time I wrote each CRA with certified return receipt mail to remove my paid liens from 7 years ago. XXXX  and XXXX   removed them immediately, however Transunion has not : Transunion XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX I have disputed these 3 times electronically, once by fax and via phone on XX/XX/XXXX. 
(XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last week ) My credit is clean and I have worked hard to rebuild it, this information is the only negative mark on my report.

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 2018-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage has not sent me what I have requested for the last 3 months which is the closing documents sign in 2009 as I have requested time after time. Wells Fargo Home Mortgage keeps sending me refinance documents in which I have never requested and a bunch of papers of the same thing in the package. 

I want the closing documents in 2009. I have my documents that was giving to me with over 20 signatures lines left blank. Wells Fargo Home Mortgage has been advoiding sending only what I have requested. 

There are several issues with the documents as other documents that have yet to be authenticate signatures that are in question on Wells Fargo Home Mortgage.

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 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
We had XXXX XXXX as our internet service provider at our prior address. About three years ago we moved to our current address. When we moved we called XXXX to change our service to our new address which they did. We immediately began receiving invoices at our new address which have been paid on time. What I did not know or understand is that the XXXX representative created a new account for our new address. To make matters worse they never changed the address on our old account to our new address so I did not receive the remaining invoice from our old account. From my perspective it was a seamless billing process since I didn't notice the account number change. As a result I now have a collections account for {$93.00} from XXXX XXXX and their 3rd party collections agent Enhanced Recovery Company for {$93.00} on my credit. I can only assume this happens quite often since it is their practice to open a new account when the service address changes. It would seem to me if XXXX was trying to be responsible partner with their customers the first thing their internal collections team would do is cross reference a collections account with current customer accounts and see if their is an open account. This would be a clue to change the address on the old account and invoice the customer at the new address. I guess it is too easy to just send it out to a 3rd party and damage their customers credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: NV

Complaint narrative:
I refinanced the Mortgage that I had with PHH Mortgage back on XX/XX/2015 almost 3 years ago. They never provided me with a lien release & stated that they mailed it to the county along with a check for the county to record the reconveyance. I simply asked for a copy of the recon and they said they lost it when they shut down the office that was preparing the documents 3 years ago. They said it can take up to 30 days to produce a duplicate. They want me to make my payments on time but yet I have to wait 30 days for a document that should have been sent 3 years ago. I find this totally unacceptable. I also asked for proof that the county cashed the payment. XXXX said she can not get me that information. I feel that they are purposefully not being honest with me. I started this process 4 business days ago & nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
Big Pictures loans gave me a loan of {$600.00} on XX/XX/. I made 4 payments of {$150.00} dollars each. First payment was made on XX/XX/XXXX. The Second payment was made on XX/XX/XXXX, the Third payment was on XX/XX/XXXX and the Forth was on XX/XX/XXXX. When I got approved for the loan a person spoke to me on the phone ( I dont know how to write or read in English, as is my Second Language ) and he told me that if I paid everything faster that wont affect my credit, there will be no interest or late fees since I am paying faster than agreed ( I made bi-weekly payments instead of monthly payments ). Now they forcing me pay 6 payment of {$110.00} dollars every weeks in addition to the money I already pay. I understand I need to pay interest but it seems extreme for me to pay all this interest since I already paid the principal. They are taking advantage of me because of my limited English skills and my lack of knowledge of the financial system in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Prior to Navient, I completed documentation for student loan forgiveness. Navient is saying my loans does not qualify and I would have to either consolidate my loans or begin another 10 years of paying my loans. Each time for re-certification of Income based or Income sensitive, the representative would assure me my loans qualify. I have submitted documentation for the Public Service Loan Forgiveness when I moved to have the most current documentation and update my file. I have been dealing with their Consumer Advocacy and the representative to this date has yet admitted there may have been miscommunication. My stance, if I knew I was not eligible under one repayment option, why would I continue to pay for 10 years if I was not told to continue this option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I refinanced my home at closed escrow at the end of XX/XX/XXXX. My new mortgage lender paid my installment of taxes due as they needed proof that they were paid however my old mortgage lender M & T Bank had already dispersed the taxes due ; {$4200.00} to XXXX XXXX County. I have called several times since then to find out where my refund is and the first time spoke to a XXXX on XX/XX/XXXX who told me it would take about 30 days to receive it. Then I spoke to a XXXX on XX/XX/XXXX that told me they should be mailing it out by XX/XX/XXXX and also to a CSR named XXXX on XX/XX/XXXX that told me they should be sending it out in a week or so. Then I called again on XX/XX/XXXX and spoke to a XXXX who told me that they verified that XXXX from XXXX XXXX County said that they refunded M & T the {$4200.00} for the taxes. NOW I am being told it may take up to 8 weeks to get a refund? This does not seem right as I paid off the loan successfully, paid on time and even sent them proof that my new lender paid the taxes as well via email on XX/XX/XXXX. Why send them proof when they are just going round and round. I just want my refund for my impound account sent back of {$4200.00} ASAP and I hope that I do not have to wait 8 weeks when my loan was paid off as mentioned XX/XX/XXXX and the taxes were paid in full as well for the XXXX installment. 

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 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re Wells Fargo Bank In XX/XX/XXXX I obtained a mortgage loan thru the above bank on my current home to purchase a vacation rental condo in So. CA. I was also strongly encouraged to get a checking account and savings account with the bank, which I really didn't want but I did it anyway. As it turned out, the investment became a disaster and sold the property in XX/XX/XXXX. At that time the mortgage was paid off. 

Approx around XX/XX/XXXX of this year I received a XXXX for XXXX. On the form, box # 3 " Other Income '' shows a figure of {$880.00}. I never received this amount. I have no idea what this is. I called when I received this form and I was given some stupid statement that didn't make sense. I said I want something in writing and I was supposed to receive something in writing but haven't so far. I am not going to put this amount in my tax return.

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 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
I had paid a debt that was owed after my " incident '' about a year after i received a call from a collection agency stating that i had still owed money. They had already put a hit on my credit. They offered to lower it just a little if i had paid the full amount so i did even though i was frustrated because i had already paid the full amount a year prior. Fast forward to now 2018, With no prior contact through phone first i got a letter in the mail stating that i still owed the same amount that i had paid three + years ago. The second time i had paid them was because i had no proof of payment because there was no way to go back in my billing statements for that long. Now that i am getting another letter i have the same issue. I had never received a letter or anything from them that i had paid. THEY DONT SEND LETTERS AT ALL even though they are supposed to. This is the reason they are trying to collect the same amount because they know that they never sent a letter to me stating that i have paid this. I did not know they were suppose to do this since i have never dealt with collection agencies before. This incident happened almost 7 years ago, which in the state of Ohio there is a statue of limitations of 6 years. Why are they still trying to collect money, because they know they cant technically sue me for this but, still trying to collect more money that is not due without even validating the debt. They should owe me money for paying twice. They have not showed any proof that i even owe both times. Trying to get in touch with the creditor who sent this to a collection agency to see if they were even paid through them in the first place. This debt is invalid since their was no " confirmation '' or written letter thereafter. i believe this collection agency is not following its guidelines according to the Federal Fair Debt Collection Practices and Act. As of XX/XX/2018 there have been 460 complaints on the XXXX for Dynamic Recovery Solutions. This agency has many unfair practices in obtaining to collecting debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Apex Asset management LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA Attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor back in XX/XX/ and she confirm that they receive such letter from a hospital??? After that I continue to receive a letters and calls. As per my last conversation with XXXX XXXX ( agency rep ) in XX/XX/ she treating me and give me a last chance to pay using unprofessional language. 
This must be stop! I request to speak with her supervisor at this time and I was refuse my right to address my concerns to her superior. I appreciate you help in this matter. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
early XX/XX/XXXX we were told by loan depot rep XXXX XXXX that we were pre approved for a mtge and would close XX/XX/XXXX we did close mtge funded XX/XX/XXXX the new mtge docs said that the first payment was due XX/XX/XXXX. so we did not make our XX/XX/XXXX payment to our existing mtge company. on XX/XX/XXXX loan depot decided to defund the mortgage leaving us now 30 days behind on our mtge can they do this 3 companys were involved XXXX XXXX XXXX XXXX XXXX and home depot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase Sapphire Preferred Credit Card. This month of XX/XX/XXXX, I was charged {$100.00} for interest and on the XX/XX/XXXX I owe {$150.00} for my minimun payment. This is unreasonable. These charges are too high and they keep increasing every month with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Dear Support Representative, I just discovered this and paid the amount of XXXX . You can find the payment of the receipt that is attached. I would appreciate if you can help me remove this derogatory mark as affects my credit history. Sincerely, 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 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have started refinance process with Bank of America in XX/XX/2017 whereas the sales agent promised me best rates and smooth process. As part of the process, they told me that they will carry out appraisal of my house and I need to pay upfront for it. I was not shared the amount that I need to pay for appraisal and was told that I will be refunded at the end when appraisal closes. I agreed to it as I didn't expect any issues in my loan process. During appraisal, an incorrect report came out which talks about an issue that I don't have in my home. I tried to explain to bank and appraisal company but they are not ready to correct the report resulting in my mortgage process going on hold. Bank has charged me for my appraisal fees but they didn't worked with appraisal company to correct the report even after I provided the reason for incorrectness of the report. My home ( in exactly same condition ) has gone through 3-4 appraisals before this appraisal but never such issue happened. I can provide more specifics when asked. 

I have also reached out to XXXX, CA to help me with issue in appraisal report.

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 2018-02-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regarding this closed compaint. XXXX about TRANSUNION 1 ) Tried to submit feedback via the link provided on your site and can not load the page. Page doesnt work and times out loading the submit feedback page <<< 2 ) Transunion responded they remove records from a credit report greater than 10 years of being reported closed, even for accounts in good standing. As such some of my accounts that were greater than 30 + years old were removed from my history, thus removing any evidence of my long standing good credit history. As such my oldest age possible account according to Transunion reporting practices is now limited to 10 years. FICO uses ones oldest accounts along with newest accounts to calculate an overall average credit age and a longest standing account age where both factor into your overall Average age of accounts that makes up of 15 % of a FICO score. This is an unfair reporting practice, particularly obvious for someone in my situation, because I used no credit during the last ten years. A competing credit reporting agency still has my credit historical records listed and my scores are much better. So either FICO should change their scoring models to be more adequate to consumers or Transunion should not be allowed to change your average age calculations by removing older, in good standing credit records from your history

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 2018-02-19 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Hi, This company Pentagon Federal credit union is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.

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