vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been attempting to lower my payments with Navient for over the past year, they have told me no until recently.However, the payment they offered was still impossible to make. On XX/XX/2017, I spoke with my assigned specialist, XXXX, and made a {$50.00} payment. I was told by the XXXX that they were placing loan XXXX in to a 7 month forbearance since it was the most at risk of default. On XX/XX/2017, the payment cleared my account. Navient is not showing this payment in my payment history and all three of my private loans are still in repayment. Over the past several months they have sent me numerous letters indicating I am at risk of defaulting. I have made regular calls and each time I am told that they have been attempting to reach me for months, this is completely false as I continue to call them and attempt to make payment arrangements that are realistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
On X/X/2017 We made a purchase at XXXX for {$9.00} We were unaware that our account had a negative balance of $ ( -XXXX ) ( which was caused by the monthly fee of {$6.00} the bank charges every month ). Even though the account was negative, US Bank approved the charge for {$9.00}, causing the account to overdrawn even more to end up with a new negative balance of ( - {$12.00} ) On X/X/2017 US Bank charged an outrageous fee of {$36.00} because the account was overdrawn and they also charged a {$25.00} for extended overdraft, leaving us with a new balance of $ ( -XXXX ). US Bank never attempted to inform the account was overdrawn. We did n't receive any emails, text, letters or calls to notify us. Then on X/XX/2017, X/XX/2017, and X/XX/2017 US Bank decided to keep charging extended overdraft fees for the amount of {$25.00} each. We ended up with a negative balance of $ ( -XXXX ) on X/XX/2017. This is the most expensive trip to XXXX I 've had, and we only buy coffee there very rarely. I wish the card had been declined at POS. Please help us solve this. It is ridiculous to get charged a total of {$130.00} in overdraft fees for a charge of {$9.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: Innovis
State: ME

Complaint narrative:
Account is reporting as charged off since opening date. Account should be reporting as paid, never late. Account is XXXX XXXX XXXX. Account has a limit of XXXX, with the last payment due of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oakridge Direct Solutions Inc.
State: UT

Complaint narrative:
On XXXX XXXX, 2017, I received multiple phone calls from Oakridge Direct Solutions ( " Oakridge '' ) on  my cell phone at XXXX attempting to collect a debt for a third person. I asked them to remove my cell phone ( verbally, via email, and via written correspondence ). Oakridge violated the FDCPA multiple times ( e.g. attempting to collect a debt with a bystander, feigning the debt arose from criminal activity, failing to give a FDCPA warning, using hidden phone numbers to collect said debt, denying they are attempting to collect a debt, and lying about legal papers and processes ). See Recording ( attached ) XXXX ( Screenshot_XXXX ) and XXXX ( Screenshot_XXXX ). Ergo, I filed a complaint with your office. See Complaint XXXX. <P/>On XXXX XXXX, 2017, Oakridge again called my cell phone at XXXX still attempting to collect a debt on this third person. See XXXX ( Screenshot_XXXX ).  Oakridge left a message to call XXXX. I called and received a message this number is not valid, or no longer in service. However, when I had others call - then they receive a message they reached Oakridge. <P/>Plainly, this is telephone harassment as Oakridge continues to call and leave messages with me knowing they have enacted measures to stop me from contacting them.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Prior to filing, I received numerous letters in the mail from Ditech stating that I could have XXXX-XXXX applied toward my loan or some other option. In XX/XX/XXXX, I had my hazard insurance reduced as I had lost my car/home discount and it was just too much. I notified Ditech of the reduction and said to reanalyze escrow to reflect new amount. They said they would,. I was NEVER late with a payment before or after my bankruptcy. It took them until XX/XX/XXXX to redo my escrow amount and then did not apply that amount until XX/XX/XXXX -- -- making me " appear '' as if I was not making the full payment on my monthly mortgage. I called numerous times and it was only today, XX/XX/XXXX that I learned that will not reanalyze escrow during a bankruptcy. THAT IS RIDICULOUS-Then they told me that they have been applying my paymnets made to the previous month because there was a " shortage '' which again is ludicrous! But if not for the fact that they waited 6 entire months to adjust the 2 refunds I sent them to be applied to my escrow account, none of this would be happening! I 've spent HOURS on the phone with Ditech with them giving me one excuse after another and NEVER truly trying to resolve this. Every other month, I get mail from them informing me that I still owe them anywhere from XXXX-XXXX dollars from monies they are trying to extort from me, from THEM not doing their job in a timely manner and penalizing me, in indirect, nondescript ways for filing bankruptcy! If anyone owes anyone, Ditech owes me-Not only for their erroneous business practices, but for emotional and financial strain and trauma. They also denied a different type of modification for me to comfortably afford my mortgage, due to the bankruptcy and said I did n't " qualify '' even though my mother passed away and my income from both her and my employer decreased substantially! They also LOCKED ME OUT of online access to my account to make payments for free and only allowed me limited access!!! Then I find out today that I was totally locked out! THAT makes no sense, whatsoever!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
I have been in contact with ( Central credit services ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. Central credit services agreed to remove debt from my credit report as of XX/XX/XXXX. This action has still not been done. i have called into central credit services on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : XXXX XXXX XXXX Original creditor XXXX XXXX is still showing from the collection company central credit services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Received a response from Wells Fargo and they simply tried to brush off a complaint with a standard response. CLEARLY in my email it mentioned that I was eligible for the {$250.00} bonus and I have met the 10x transactions requirement. This so called private invitation had a public url " XXXX XXXX XXXX ''. If there was some error along the way, should n't Wells Fargo be held accountable for their mistake and own up to it? I am filing another complaint as I feel I am being unfairly treated by Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC
State: KS

Complaint narrative:
I have been in contact with ( XXXX XXXX XXXX ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. XXXX XXXX XXXX agreed to remove debt from my credit report as of XX/XX/XXXX.  This action has still not been done. i have called into XXXX XXXX XXXX on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : Pendrick capital partners Original creditor XXXX XXXX is still showing from the collection company XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Although I sent payment to Wells Fargo bank on time, they still charged me a {$15.00} late fee and {$5.00} in interest. I called to correct the issue and they agreed to credit back the {$15.00} and {$5.00} charges and I sent a payment for the full amount less the {$20.00} that was to be credited back. However, they did not credit the {$5.00} interest and as a result my account was marked as carrying a balance and charge {$2.00} in interest the next month. I called a second time and the agent agreed to credit the {$5.00} as originally promised, but would not credit back the {$2.00}. That {$2.00} of interest should not have been changed and I would like it refunded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
I paid my account in full, no warning showed up that there were any interest charges pending. {$2.00} and some change in interest charges kicked in after I Paid the balance in full. No email or other warnings were sent until I logged in to my account and found out that the {$2.00} was built up to {$26.00} and have been reported on my credit report as late payment. I have two cards with this bank and both of my cards should have been on auto pay but this particular card for some reason was n't on auto-pay but should have been on auto-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
This is a formal CFPB Complaint filed by XXXX XXXX against Wells Fargo and XXXX XXXX. <P/>The financing of the XXXX XXXX customer-purchases ( derived from unlawful, deceptive, and unconscionably high-pressure sales tactics, with the sales appointments, themselves, always induced by an elaborate referral-scheme of {$100.00} XXXX gift cards ) is deceptive, fraudulent, unlawful, and unconscionable. Specifically, this allegation refers to the exclusive-financing relationship that exists between XXXX XXXX/XXXX XXXX XXXX and Wells Fargo Bank, whereby customers are led to believe that they are applying for a traditional, closed-end loan only for the amount of the ever-shifting price quoted by the XXXX XXXX sales representative. In fact, the Defendants actually trick or otherwise induce, without the required disclosures about the nature of the credit-application being executed, the customers to apply for what turns out to be a XXXX Home Projects credit card, issued by Wells Fargo bank. <P/>As a standard practice, XXXX XXXX sales force completes all paperwork that is executed during these late-night, in-home appointments, and then simply gets the customers to sign the paperwork that was filled out by the XXXX XXXX sales representative. <P/>This practice, pleaded in the paragraph above, is aimed by the Defendants at deceiving and /or concealing from the prospective customers of XXXX XXXX/Wells Fargo : ( 1 ) the nature and quality of the actual products they are purchasing ; ( 2 ) the many terms and conditions that apply to XXXX XXXX so-called 100 % Satisfaction Guarantee program ; and ( 3 ) the financing terms and the fact that a XXXX Home Projects Program credit card is being applied for of the transaction. This practice of the Defendants, among constituting various other torts, breaches of express warranties and implied covenants, and statutory-violations, is an unlawful violation of the Truth in Lending Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am trying to inquire with Ditech - " XXXX XXXX '' about how they are calculating my monthly payments which will change - adjust on XX/XX/XXXX. I have calculated the amount myself and with other mortgage companies. they are charging me {$1200.00}, and I have calculated a mortgage with {$1100.00} for a rate of 4.0 % {$190000.00}, - which is almost {$500.00} dollars more than what the loan amount will be at the time of the adjusted rate from 3.5 to the new rate of 4.0 %. So, my monthly P and I should be lower than both. Clearly they are overcharging me. I have called, and been hung up on after having a rep put me on hold for 20 minutes twice, and then she hung up at XXXX XX/XX/XXXX. I am about to get legal counsel, and form a class act as I can see I am not the only XXXX with this problem. I have called again, they will not transfer me to a supervisor, unless and continue to give my own personal information, of which has not helped in the past. I have asked XXXX XXXX, supervisors XXXX , to give me one good reason, why I should give my personal info any further, as I am personally now invested in protecting my own security, since they have been fraudulent, and not trustworthy. They have no answers for me, but please " hold '', " Bear with me '', and " im working on it. '' They also state I must give more personal info to talk with a supervisor. Please advise, as I will be consulting with my attorneys next week. <P/>Thanks. <P/>Ps. this is by far not the first horrible experience I have had with this company, and am looking forward to a Class Action Law Suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had decided to cancel my homeowners insurance with one company, and go with another company 2 months prior to the end date of the policy. I had gone to a local branch to inform of the change, and make sure the company that I was leaving would not be paid and the new one would be paid for the upcoming year renewal. The representative took down all the information, and stated that she would make sure the now old insurance company would n't be paid, and would only release a payment to the new insurance company. I received a notice this week to inform that both insurance companies have been paid in a total amount over {$2400.00}. After paying two different insurance company Bank of America ran an out-of-cycle escrow analysis report knowing that two insurance companies had been paid ; which will cause my mortgage payment to increase effective XX/XX/XXXX, 2018 close to {$200.00}. I have contacted the branch representative who stated that she had forgot to get the information over to the mortgage company, and it was my responsibility to contact the insurance company to get the refund back on a cancelled policy. I was informed by the insurance company that a refund could take up to 7 weeks. In the meantime, the mortgage company knowing that an error was made on there end will not remove the escrow analysis which will cause the mortgage payment to increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX I reviewed my credit with XXXX and they have my XXXX score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX XXXX Federal Judge on XXXX XXXX No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, XXXX and Transunion. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX.XXXX.XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.pulled twice in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pulled on XX/XX/XXXX5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXXpulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, Transunion and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, XXXXXXXX.This address is on XXXX, Transunion and XXXX.This is Fraud.address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief