vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Alorica Inc.
State: MN

Complaint narrative:
My student loan is currently in default, and my wages are being garnished for payments. I would like to make more affordable voluntary payments. I have called the loan servicer  on 4  separate occasions within the same week to get information on how to stop the garnishment and rehabilitate my loan. Each time I was given different, conflicting information, with different forms to complete each time, and I still do n't understand how or if there is a program that can help me. In any case, it was indicated that I would be required to continue to make  5  garnishment payments IN FULL, in addition to my new voluntary payment, thus INCREASING my inability to repay. I can not afford the full garnish payment. I can not afford to pay more on top of the full garnishment payment. If I ca n't make voluntary payments, I can not enter the rehabilitation program. This servicer 's business rules are preventing me from utilizing the student loan rehabilitation program that was created to help consumers get back to a stable financial state. Their final recommendation to me was to fill out the  3  different packets of documents they mailed me and send them back and " see what happens. '' They indicated the decisioning period could be anywhere from  2 weeks to 2 MONTHS.

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 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp
State: NJ

Complaint narrative:
-they falsified my application ( family size  ) -they m isinformed me about program -they misinformed me about how it would report on my credit ( showing as a credit card maxed out ) -they did not make me aware that they were outsourcing my fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
On or around the month of   XX/XX/XXXX 2015  I submitted a request for removal of an authorized user from my american express cards. The transaction was verified to be completed. The authorized user I had added and removed is now threatening litigation because of them not being removed, and  American Express  reporting information in regards to my card on the credit bureau. I have tried to obtain a clear path to send a written request, and they are not answering me with a clear process. I also have requested transcripts of all history of the account and they will not provide it to me. They will not help me with disputing the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
So my husband and I finally had the revelation to file taxes separately in order to drop my monthly payment for my student loans. I am under the  PAYE  program and public service loan forgiveness, so my goal is to get as tiny of a monthly payment as possible.     My current payment is {$1300.00} per month. According to the payment calculator, my new payment since filing separately will be around {$300.00}. I applied to recertify/update my income with myfedloan servicing  ( FedLoanServicing )  on  XXXX   XXXX . They told me it would take  7-10  days to process, that I would still need to make the  XXXX  payment of {$1300.00} but by  XXXX  it would be the new, much lower payment.     Well, it 's been crickets. Finally, I called yesterday and was told that my application was still being processed. That they are experiencing delays with processing, and now it could take between  15-30  days! So I 'm going to have to make ANOTHER payment that is {$1000.00} higher than it should be. I asked if I would be reimbursed for the difference and surprise surprise, no, I wo n't be. Is n't there some sort of limit by law on the time they can take to process a repayment application?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
inacurate information, and accounts that are not verified

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 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I made a big mistake taking out a  PNC CashBuilder  card ( which is anything but cashbuilding ) a few years ago. This card has caused me nothing but grief charging a Cash Advance fee of 22.74 % plus a purchase APR of 18.74 %. I do n't even know where the Cash Advance came in to the picture. I never used a Cash Advance. I contacted a rep and he told me I was only making the minimum payment of {$210.00} per month, which is also incorrect. Actually, the bank has been taking out {$280.00}. automatically pe r month out of my account for a few years now and when I told him to look it up, he could n't understand it either. He told me to remedy this I should pay {$3000.00}, which I am afraid to do. I really need help with this.

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 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Complaint Against  : Freedom Mortgage   XXXX , TX Unfair reporting of late payment  by Freedom Mortg age. This complaint arises from a dispute w ith Freedom  Mortgage whereby the Real estate taxes were increased  in the County  we live in. F or ten ye ars we have been paying our mortgage on time without any late payments. My wife and I signed on a third party company to automatically pay our mortgage. In  XXXX    XXXX   there was a {$150.00} shortfall due to the increase in our taxes . Freedom Mor tgage received our regular payment of {$2200.00} through  XXXX   XXXX  on a timely schedule through  XXXX   XXXX .  Freedom Mortgage contacted by letter to notify us of the {$150.00} shortfall and my  wife made arrangements to pay the balance of {$150.00} over the phone.  Freedom  Mortgage took the payment but never collected the money from our bank  (   XXXX   XXXX  ) on time. The money was subsequently returned by our back because of non-collection. My wife made a payment over the phone on  XXXX / XXXX /  XXXX   and the money was collected by  Freedom Mortgage. Subsequently in looking at our credit score Freedom M ortgage reported our payment as late. We notifie d Freedom M ortgage of this negative reporting, and asked them to reverse it, but they said that they could do nothing about it. We feel tha t Freedom Mortgage is unwilling to rectify the situation. We tried to send the additional payment to Freedom Mortgage on time but feel that they dragged their feet in collecting t he money. It was't our fault because we did all we could to make sure they were paid.

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 2017-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient has consistently, ineptly failed to properly service my student loan account in a multitude of ways : 1 ) They failed to withdraw scheduled ACH payments, but subsequently charged me for alleged delinquencies resulting from Navient 's f ailure to make scheduled withdrawals  ; 2 ) Pa yments were misapplied, i.e., the full amount for all loans was paid in a given month, yet that amount was only applied to  XXXX  loans, resulting in alleged delinquencies on all other loans ;  3 )  Advising me that I had set up a payment program that would avoid future delinquencies, only to begin calling me in a month to say that my account was delinquent ;  4  ) Starting  XXXX ,  XXXX ,  2017, ha rassing me and my co-signer regarding alleged delinquencies despite my having paid all alleged delinquencies the prior month on  XXXX   XXXX ,   2017  , and making all scheduled payments for the month of  XXXX  as set up by a Navient employee ; no adequate description of why this occurred has ever been provided, including in a call with a supervisor named  XXXX , Employee ID  XXXX  ;  5 ) Refusing to provide a consistent point of contact ; Navient will typically only provide an employee name, and will not provide any other information permitting you to follow-up with the same person when the advice they provided is faulty ; 6 ) Never offering me income based or any other alternate payment programs ; and, 7 )  Providing notice of alleged delinquencies solely by robocall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
inacurate information, and accounts that are not verified

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 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased a mortgage for a home fr om Wells Fargo and it  closed on   XXXX   XXXX    2017.  In    XXXX     2017 I succe ssfully negotiated with my mortgage consultant to refund my appraisal cost after the mortgage closes if I choos e Wells Fargo. I wa s told soon after the closing date by my mortgage consultant that it will  take 4-6 weeks   for  Wells Fargo to refund  the appraisal on my credit card. I have tried calling my mortgage consultant since the beginning of  XXXX  on unrelated things and since     XXXX   XXXX      2017 rega rding the refund. The consultant has not returned my phone calls or responded to any email. I then called the general customer service line on    XXXX   XXXX     2017 to g et an update. They stated that I was not due a refund and that I should get in contact with my mortgage consultant. The name of my mortgage consultant is  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 monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
On   XXXX   XXXX     Rushcard canceled my card before contacting me about charges when I advised I attempted the charges a  XXXX  stated he would get me a replacement card sent out right away and waive the {$30.00} fee. Stated it will take  XXXX  business days to see the reversal. I called back on   XXXX   XXXX   and it had not been done said they needed  XXXX  more business days called back the  XXXX  said they needed  XXXX  more business days on    XXXX   XXXX    I called they stated they needed  XXXX  business hours also called again today still nothing has been done asked for another  XXXX  business hours. Stating they have no way of contacting there corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
We originally listed our house as a short sale and sent all documents on  XXXX   XXXX ,  XXXX , to     XXXX   XXXX   who was the servicer for our loan. The short sale was approved by     XXXX   XXXX  , with the approval letter  XXXX / XXXX / XXXX , with a close of escrow date of  XXXX  Our Broker  was advised that the loan servicing was changing  XXXX / XXXX / XXXX , to  Select Portfolio Servicing.  Since th e Buyer was gett ing a loan, the Buyer could not close escrow in 4 days. Our Broker then immediately sent all documents to Select Portfolio Servicing on  XXXX / XXXX / XXXX , via fax supplied b y SPS ( Select Portfolio S ervicing ). The  Broker followe d up on  XXXX / XXXX / XXXX , to assure all short sale documents were received, however,  SPS stated they had given the Broker the wrong fax number and supplied a new fax for short sale. SPS also stated that they have used previous servicers short sale approval letters to expedite a written approval from SPS to the listing Bro  ker. Ag ain, our Broker sent the complete short sale package to  SPS , along with a copy of the   XXXX   XXXX   short sale approval letter. On  XXXX / XXXX / XXXX , our Broker was told by  SPS tha t a conditional approval was issued based on a  Broker Price Opinion v aluation that was ordered and should be completed shortly. on  XXXX / XXXX / XXXX , our Broker was told a written short sale approval letter would be issued no later than  XXXX / XXXX / XXXX . Our Broker has called SPS every 2 days since  XXXX / XXXX / XXXX , with no approval, and now SPS states it could be another 30 days based on " investor guidelines. '' A representative from  SPS  stated she did n't see a HUD closing statement this past Monday  XXXX  which was sent in with all documents prior ), and suggested the Broker forward another copy " just in case. '' Today,  XXXX / XXXX / XXXX , the  Broker foll owed up again and was told by the Relationship  Manager on the file that since a new document ( HUD )  was logged as received today, " investor guidelines '' gives SPS  another 30 days before they have to issue a written short sale approval letter to sell and transfer our property. The Broker is in fear of losing the Buyer now, and we as the Borrower/Sellers are l eft with further months of default/negative reporting to our credit record. Our  Broker has lo gged dates, names, and notes of every conversation with SPS from  XXXX   XXXX ,  XXXX , to present.  SPS rep resentatives not familiar with the file have continued to mis-read notes and request documents that were all sent previously numerous times. I highly suggest and request that the CFPB audit both procedures and business practices of SPS, at least with regard to short sale processing. 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 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Debt owed to  XXXX   XXXX   XXXX   XXXX  for {$120.00} was paid to  XXXX   XXXX   XXXX  on  4/04/17.  Received letter from  Southwest Credit d ated  4/06/17 for same account. Faxed payment information to Southwest Credit on 4/18/17. Received letter from Sou  thwest Credit  dated  4/25/17 stating they had received our dispute but we still owed the balance. Received phone call from Southwes  t Credit on 5/03/17 and was told they would continue collection action on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: MA

Complaint narrative:
I can not afford my monthly payments with  Navient  and they will not budge. I was able to reduce them to {$180.00} which was already too much for  XXXX  but in  XXXX  they went up to {$220.00}. This company has ruined my credit and will not budge when I tell them I am struggling to survive making their payments. I have a  Federal Loan  I pay $  XXXX /month on and it is totally manageable but  Navient simply will not let me set my payments. I would like to pay {$100.00} a month even though that is more than I can really afford but they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weinman Acquisition Group
State: GA

Complaint narrative:
I received a phone call/voice mail from  XXXX  at Weinman Acquisition Group, she identified herself as working fo r th  e county,   the voicemail stated there are legal documents pertaining to my social security number that I need to sign and failure to do so would result in a court appearance on my behalf without me being present. I returned the call and they would not tell me what it was pertaining to and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I am a   XXXX   XXXX   XXXX   on the income based repayment plan serviced by  FedLoan. Whe n I had previous companies service my loan, such as  XXXX , I received MANY reminders that my income based repayment plan was expiring, and that I needed to re-certify. W ith FedLoan , I received  XXXX  emai l (   XXXX   XXXX   )  and   XXXX   message to my electronic inbox  (   XXXX   XXXX   ). My  repayment plan did not expire until  XXXX . I filled out the application in  XXXX , two months before my repayment expired, and it has not yet been approved. Therefore, I was billed the full amount for  XXXX . When I called and talked to the customer service representative, they said they are " behind '' and it could take up to two months to process. In the meantime, I had to declare forbearance because I am not able to make the full amounts. If I pay what I can, it does not count towards my public service forgiveness. This situation puts me behind on my loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 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: GA

Complaint narrative:
I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and TransUnion has been in the news for some deceit ful credit score  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

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 2017-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted all the tree credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and   XXXX   has been in the news for some deceitful  XXXX   XXXX  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

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 2017-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX   account is showing 90+ days past due as of  XX/XX/XXXX  and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.

Company response to consumer: Closed with explanation