vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
Something that caught my attention is how they handled the payments I made to my account with this new car XXXX XXXX, I took this car about 13 months ago, and before had a lease of a XXXX XXXX XXXX XXXX, which then fund a XXXX XXXX XXXX. Apparently the numbers here is not correct and I ask for a review of the read of the XXXX XXXX XXXX XXXX that I did, I want a review of how were those payments, the initial, charges in order to review the full contract and if the correct charges were applied to the other to make the trade IN Complaint to the sling by with the XXXX .. since I see not doing the correct reports or in time to have the exact numbers, likewise I want you to review the the XXXX XXXX XXXX that was then financed with honda finance to be sure that I was not charged fees and payments as it should be and that there was no misinformation to make me pay more money than normal, since there have been many problems with loans in this dealer and d and how things have been done in this place.

On the other hand I decided to change the XXXX XXXX on the XXXX  of this month of XXXX, and I noticed some adjustments that do not add up. The experian credit report says that the last update of the XXXX XXXX XXXX  payments was on XX/XX/2018 with a balance of {$40000.00}, and when the car changed for a XXXX  at the XXXX dealer it was requested the total payoff of the sling, which went for about XXXX   I think .. I do not understand how it is that this debt is there if the payments are made on the XXXX  of each month, since XXXX  has not correctly applied the total balance to be paid, He should be less.

We paid XXXX dollars and a few cents per month ... then if we paid on XX/XX/XXXX, XXXX  dollars and on the XXXX of this month of XXXX, another XXXX dollars, and XXXX due toXX/XX/XXXX, according to the last update of the sling in the credit report experian ... these last two payments have not been applied to the debt .. creating that with the total balance requested by bmw then in the trade in that we did, in the balance we ended up paid two payments more than normal, the account should currently running at about XXXX,, approximate with a few cents difference ... more or less.

We contacted honda financial, and they told me to visit the dealer. That was where I bought it. I went to this place today and I told them about this, they told me that this is already a XXXX XXXX, not with them. they ... that they only sell the car ... that they could give me back the gap insurance .. that they can do it but they do not know how much they would give me..they sent it to the insurance and they decide how much it is .. and that it would arrive by mail ..

Then here are so many problems ... that no one wants to face.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My daughter and I have been trying to work with Navient for almost 12 full months as of XX/XX/2019 trying to lower her monthly payment to an affordable amount. I am positive we signed up for a Fixed Interest Rate, but they continue to raise the interest rate stating we signed up for Variable Rate. I can not find our loan documents on their website either. We have recently called to request a copy of this information.

I am cosignor on this loan with my daughter but since cosigning have become XXXX XXXX, unable to work and therefore, unable to help her make payments on this loan. Navient doesn't seem to think that is an issue.

Navient continues to offer no solutions to be able to afford a payment. She has used her 12 months of forebearance as of XX/XX/2019 trying to work with them to help her be able to afford payments. Navient has offered her interest only payments, or forebearance. Neither of those options HELP. We have called them monthly if not twice a month hoping to find the right person to answer and help offer a solution.

She isn't looking to not pay her debts, she just wants to be able to feed her family and enjoy life a little while paying her debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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:
I have filed several complaints against Wells Fargo, and the opposing counsel, Attorney XXXX XXXX XXXX # XXXX, has committed several legal violations. For example, he has severely violated his oath as an Attorney in the state of California, and is totally corrupt. Again, he has issued me a fraudulent document which consisted of a mortgage note that was falsified due to the fact that it did not match the original copy of the mortgage note. In addition, Attorney XXXX XXXX XXXX has been indulging in dual-tracking while a loan modification was in progress, sending me direct emails, and letters instead of communication with my legal counsel. In addition, Attorney XXXX XXXX XXXX attempted to have someone deliver personal papers to my next door neighbor that consisted of information regarding the status of the subject property, and was discussing the foreclosure attempts regarding the property with a friend of mine who is an Attorney, but is not my legal counsel. My neighbor told the individual at the door never to come back to his home again. The auction of the subject property is scheduled for XX/XX/2019, and Attorney XXXX XXXX, has not offered any alternatives to the foreclosure process. Finally, Attorney XXXX XXXX needs to lose his license to practice law in the state of California.

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 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MN

Complaint narrative:
When I started working on my credit in XX/XX/XXXX I had a debt listed on my report from a company called XXXX for a XXXX bill in the amount of XXXX. I disputed this debt as it did not belong to me and was listed under a name I had never gone by, XXXX XXXX ( my maiden last name is XXXX ). XXXX was unable to verify this debt and it was eventually removed from my credit report. on XX/XX/XXXX I received a credit notification that I had a collection added to my report. The debt was from XXXX XXXX XXXX for this XXXX  bill that I mentioned above. The issue here is 1 ) I never received anything in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation or dispute this debt. 2 ) I was not notified by either XXXX  or XXXX regarding this debt being reinserted into my credit file, therefore it was illegally reinserted. I disputed this debt with XXXX  and XXXX already and both came back verified as accurate. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2018 I paid {$1100.00} to Wells Fargo to cover an escrow shortage which would have lowered my house payment from {$590.00} to {$520.00}. Instead they deducted a second mortgage payment in XX/XX/XXXX ( which I didnt know until I went to pay XX/XX/XXXX ) and placed the balance in unapplied funds where it still sits today. In XX/XX/XXXXwhen I called and realized what they had done they gave me a crap excuse about their system not functioning properly but they would address it immediately and I now had no payment due ( same {$590.00} ) until XX/XX/XXXXbecause in XX/XX/XXXX I evidently paid for XX/XX/XXXX. They said my XX/XX/XXXX payment would be {$560.00}. But they have still not applied any payment to my escrow. I still owe {$590.00} a month and they say they will look into it. This is unacceptable. They say I am now over {$1200.00} short in escrow and still show {$570.00} of the {$1100.00} I paid to escrow sitting in unapplied funds for 4 months now! They refuse to correct this problem while my mortgage payment will continue to escalate. This is an overt mishandling of my funds and it needs to be corrected immediately. I called this transaction in and repeatedly told them not place this money in unapplied funds and was assured it wouldnt. Then I was again assured it was being corrected. Now they will simply look into it?! I will try to get refinanced elsewhere even though theyve held my mortgage for 15 years.

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
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This company is making repeated reports within a month reporting unlawful reports because reporting the same account repeatedly with in the same month is fraudulent reporting. I don't even know who or what they represent.

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 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
XXXX XXXX called me in XX/XX/XXXXwe made an agreement, funds were successfully made to them on the approved dates and they STILL added a derogatory mark to my credit report. Shady business practice damaging peoples credit even after payments have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today, XX/XX/2019 I used XXXX to buy XXXX XXXX tickets from a guy XXXX XXXX with email XXXX. As soon as I sent the money the phone call was disconnected. The phone number he was using was XXXX XXXX. I immediately called the fraud department at Wells Fargo ( my bank and his ) and they said sorry we cant do anything for you because XXXX  is a gift even though it was going from one Wells Fargo account to another. What good is it having a bank that doesn't back your transactions up? I felt safe with XXXX  only to find out there is no help with fraud! I don't make much money to begin with, and now I will have to work 3 days for free to make up the money stolen from me. I am just sick that there is no help from these banks. Someone please help. They make you jump through all these hoops and offer no help.

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 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My checking accounts at Suntrust Bank here in XXXX, VA were recently subject to bank fraud. On XX/XX/XXXX I received an email there was fraudulent activity on checking account. The attacker used a fake XXXX  account to withdraw small amounts less than {$1.00}. I went into a bank branch and confirmed the activity. They immediately advised me to create a new checking account and move my monies from the old account to a new account.

I was recently subject to the same type of fraud attack on XX/XX/XXXX of my new checking ( XXXX ) that is a month old. A larger amount of {$1500.00} was taken out of my new account. I filed a second claim ( XXXX ) with Suntrust today along with filing a police report ( XXXX ) with the XXXX XXXX, VA Police Department. I would like to have an external resource to investigate this matter to determine if this issue is being caused by an employee of Suntrust. Please feel free to contact me if you have any questions or need ay additional information.

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 2019-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
My mortgage was with XXXX and was sold to Flagstar. I tried to process my first payment with them and typed in the wrong account number which made my payment not go through. I never received an email or phone call saying I missed a payment and when I went to go pay the next months mortgage payment it said I had late fees and wasn't paid. I called Flagstar and the customer service representative was very rude to me and asked me " If I would like to keep my home? '' and ; " just wanted to know if you wanted to keep my home? ". When I asked about the late fee, he stated " it wasn't a late fee but an insufficient funds fee. '' Federal Law states that I have a 60day grace period before late fees are charged.

I don't believe I should be charged any additional fee 's regardless of what they wish to call them to subvert the law given that I never received notice of the missed payment and I am attempting to fulfill my payment obligations in full.

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 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I have written several RESPA letters to my loan servicing company : Fay Servicing. At first, they sent me a letter acknowledging the first letter is sent, few weeks after, I received a package letter from they lawyers, that was the incorrect response to my first RESPA letter. 
I sent 5 more RESPA letters since then, they again acknowledge one or I should say they they sent me one acknowledgment letter ... that is it.. up today ( XX/XX/XXXX ) did not get any responses. 
-First RESPA sent : XX/XX/XXXX. They got it XX/XX/XXXX - letter of acknowledgment : XX/XX/XXXX- incorrect responses : XX/XX/XXXX - second letter sent : XX/XX/XXXX-acknowledgment XX/XX/XXXX- respond date : none - letter # 3 & 4 : send XX/XX/XXXX : acknowledgment : none- responses : none - letter # 5 & 6 : sentXX/XX/XXXX. No acknowledgement- responses : none I have 3 more letter I wanted to send to them. Will send them the week of XX/XX/XXXX.

I need those responses in order to make the best decision to keep my apartment. I offer them to negotiate the rear of my mortgage, they dont want to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Payment is made on time each and every month and twice in two consecutive months and bank continues to charge me late fees each and every month. They will not reverse charges even though it has been paid and in good standing since opening the account.I believe they are purposely doing this to charge me an interest rate. The terms of the healthiplan was no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
XXXX held my loan, I applied for deferred payment for several years and had requested information concerning forgiveness through my employment at a non profit hospital. XXXX refused to help and never disclosed the information about forgiveness through my employment. I applied for a VA loan with my veteran husband in XX/XX/2018. I was told I needed proof of my student loan repayment and was told to reapply for my income driven repayment plan. It was also suggested by my mortgage broker to apply for the nonprofit employment forgiveness program in which I did. I received a letter stating I was being processed for this program and assumed XXXX would contact me about further developments on my applications. I received emails from XXXX when my income driven application was received and when it was approved. I moved into my new home in XX/XX/2018. During my move I did not receive any further correspondence with XXXX. Then in XXXX I received a bill forwarded from my old address from XXXX. I had never heard of this company nor been notified about changes in my loan account. I called and spoke with a representative and questioned what was happening as I was sent a bill for an {$800.00} payment and a message that stated I missed the income driven repayment deadline. I was told XXXX sold my account and did not forward any income driven application or information of my application from XX/XX/2018. I have sent numerous emails and called XXXX. XXXX has not responded to any of my emails requesting they validate my application from XXXX so XXXX knows I applied then. My last phone conversation with a XXXX Representative I was told the {$800.00} bill would be removed from my billing and the new application was accepted with them for a {$120.00} payment. I received another email requesting the {$800.00} and a message stating my credit report would be marked negatively by this inability to pay the amount of the first bill they sent. I can not pay the {$800.00}. I have been treated unfairly by XXXX and XXXX. I will continue to persue help with this as I have done nothing wrong and been diligent in taking care to apply for income driven repayment as I am on a fixed budget. Please help me resolve this. I had XXXX  XXXX and was on FMLA from  XXXX XXXX XXXX and unable to fully deal with this stressful situation due to my medical issues. I would like to file a formal complaint against XXXX with student loan.gov for not informing me of the opportunity to apply for and receive forgiveness by working for a nonprofit hospital and not forwarding my application for income driven repayment I submitted to them XX/XX/2018. I need XXXX to correct my account and not make it out to be my fault Navient didnt send all my application information to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 Citibank charged me an overdraft followed the monthly service fee. However this is different from what mentioned in the card member agreement. 

" Our overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction. You will be charged no more than three ( 3 ) overdraft and insufficient funds fees per day for Consumer accounts. " Definitely, monthly fee does not belongs to check, ATM withdrawal, debit card transaction. Moreover, I have never opt in overdraft protection and the overdraft fees ( As the attached files ) should not be charged. 

I talked with the citibank banker before, they said they can not waive the fees for 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 explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: NC

Complaint narrative:
CFPB dumped my complaint regarding XXXX 's complicity with Coast Professional , Inc. I am therefore submitting a complaint about Coast Professional 's  misrepresentation regarding compliance with their " rehabilitation plan '' that was supposed to remove the two separate 20 % default penalties tacked on to my balance. ~ $ XXXX of my current student loan balance can be directly related to their deceptive practice and either their refusal to process and release information, or XXXX XXXX XXXX XXXX 's refusal to release my information. I'm working my way through the chain of organizations at this point. 

Coast Professional contacted me in XX/XX/2009 to advise that I was in default, and if I did not pay the balance in full immediately, or if did not make immediate arrangements for refinancing, I would owe the full balance plus the 20 % default fee. I filed for consolidation with Direct Loans, as shown in the attachments. Either Coast Professional and / or XXXX XXXX XXXX intentionally sat on the release of my file and my information to the Department of Education for six months, was given no opportunity to reaffirm the balance of the loan ( which, I was led to believe, was the amount WITHOUT the 20 % default penalty tacked on ), and much to my shock and horror, the 20 % was folded into my refinanced amount. 

I refused to pay the incorrect amount. The loan fell into default again. Another 20 % was tacked on. AGAIN. Coast Professional Inc. contacted me again, and I refused to budge until I received confirmation in writing that compliance with their instructions would remove the loan from default, and was verbally advised that removing the loan from default would remove the multiple 20 % default penalties tacked on. 

I complied. The balance was not corrected. No one will help. I'm submitting all my attachments again. Please do not dismiss this as a duplicate claim again.

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 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bison Recovery Group, Inc.
State: SC

Complaint narrative:
Keep receiving numerous calls from Bison Group - " wanting to ask questions regarding XXXX '' ( my son ). " What is your relationship to XXXX '', " What is the current mailing address for XXXX '', " Where does XXXX work '', when I refused to give any info gave me an attitude then said " I will contact another relative '' - then proceeded to call and leave messages with his dad, his sister at college, his girlfriends mother, his girlfriend -- guess these show up as possible relatives on a XXXX search/social media. Asked where girlfriend worked- all kind of crazy invasive questions. Wont stop calling all of these people who have nothing to do with XXXX financial life even if XXXX did have outstanding financial obligations to this company which he does not. Rude, deceptive people who are out to trick people

Company response to consumer: Closed with explanation