vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Performance Settlement, LLC
State: CA

Complaint narrative:
I AM A XXXX XXXX XXXX VETERAN AND MY CREDIT REPORT TOOK A DIVE WHEN I TOOK A CHANCE AND PUT MY TRUST IN A CONSOLIDATION COMPANY ( PERFORMANCE SETTLEMENT ). I WAS MISLEAD, MISINFORMED, LIED TO, AND MY PHONE CALLS WERE NOT RETURNED WHEN I CALLED THIS COMPANY WITH CONCERNS ABOUT MY MONEY TAKEN FROM MY BANK ACCOUNT. PERFORMANCE SETTLEMENT TOLD ME NOT TO ANSWER MY PHONE, NOT TO MAKE ANY PAYMENTS, AND TO SEND EACH CREDITOR A BOGUS ADDRESS SUPPLIED TO ME BY PERFORMANCE SETTLEMENT. EVERYONE I TALK TO SAID THIS COMPANY RIPPED ME OFF, EVEN OTHER CONSOLIDATION COMPANIES SAID THEY HEARD OF PERFORMANCE SETTLEMENT AND THAT THEY HEARD NOTHING GOOD ABOUT THEM. BE FORE I TRUSTED PERFORMANCE SETTLEMENT MY CREDIT SCORE WAS IN THE XXXX, AFTER I EXPERIENCED 6 MONTHS OF XXXX  MY SCORE IS NOW IN THE XXXX, BECAUSE I PAYED PERFORMANCE SETTLEMENT AND LISTENED TO PERFORMANCE SETTLEMENT 'S LIES. NOW I'M SUFFERING AND I AM LOOKING FOR RESTITUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
This company calls repeatedly every day and has for months claiming to be trying to collect a debt from someone I've never heard of ( we are a business ). 

If I press 0 to speak to a live person the moment I try and explain myself they hang up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Purchased the home on XX/XX/XXXX. Bank of America issued a 1st and 2nd mortgage. The 2nd is not a revolving, interest only loan, it is an amortized term loan with a balloon payment due in 10 years. ( XX/XX/XXXX ) We have never missed a payment or even been late in either the 1st or 2nd mortgage. The home was appraised by Bank of America above market value and has never been valued at or above the purchase price. Since the home value is below the total loan amount we are unable to refinance and pay the balloon payment. We have applied for a loan modification - simply asking to continue to make loan payments. Bank of America has given a preliminary approval of a loan modification if we make three monthly payments that are about {$450.00} higher than our regular payment. They will not disclose the make up of these requested payments. They will not tell us how much will be applied to principal, how much is interest and if there are any fees. They are also refusing to disclose the terms of the loan if we accept the modification. They are pressuring us to accept the modification with out full disclosure. I repeat, we are not delinquent with this mortgage or the 1st mortgage so there is no late balance due.

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 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: WI

Complaint narrative:
I submitted an online application for a student loan consolidation with XXXX XXXX XXXX on XX/XX/XXXX. Funds were dispersed XX/XX/XXXX to pay off various private student loans. The total amount was {$69000.00}. PRIOR to disbursement of the funds, I was not provided a promissory note, nor was I made aware of the terms of the note, including the interest rate, the manner in which payments would be applied and/or any default terms. In XX/XX/XXXX, Discover Student Loans purchased my loan. 

Around 4-5 years ago, I was curious about how much I had paid on this note and what I had left to pay. I was shocked to discover that of over $ 50K in payments, less than {$2000.00} went towards principal. I started to look into information like where they got the interest rate from, terms of re-payment, etc. I asked repeatedly for a signed promissory note that detailed these items out. They repeatedly told me that they got the interest rate from the promissory note. 

They sent me the application I submitted through XXXX and a generic promissory note that did not have my loan number on it, my name on it, and was dated a full two months prior to me having applied for the loan in the first place. Over the past 12 years, I have paid {$68000.00} towards this note. I was continually threatened with them " charging off '' the loan, even though they lacked the terms and conditions in a promissory note that would result in a charge off! The continually threatened to default me, even though all I ever asked for was proof that they had the authority to charge the interest rate they were charging and evidence of any type of authority to apply payments as they have. 

I have been exceedingly patient with these people. I have asked repeatedly for documentation regarding the proof or evidence that allows for what they are charging me and I am convinced that they do not have it, and that they are aware that they do not have it. 

I was informed today that my loan " charged off '', whatever that means. I believe that any negative reporting to the credit bureaus without indicating that this debt is disputed is a violation of the Fair Credit Reporting Act. I believe that XXXX and Discover both charging the interest that they have and applying payments without the proper authority in a signed promissory note violated the fair debt collection practices act. I sent Discover a demand for settlement XX/XX/XXXX. That settlement demand was denied, but they never gave me the courtesy of a reply to inform me of that. I learned that today while calling to check the status of things. The again informed me today that the interest rate was set by the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Designed Receivables account with XXXX XXXX XXXX XXXX is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX XXXX as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the XXXX credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: GA

Complaint narrative:
These are errors:XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Opened XX/XX/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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These are errors:Addresses:XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers: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 non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt that was paid by my security deposit. They failed to send the proper documentation in the correct amount of time after I moved out of the apartment. A walk through was completed and nothing was mentioned that any money was owed after move out. I didn't receive a security deposit letter advising me what I owed for or any pictures of the claimed damages. They also falsified documents stating that I didn't pay a security deposit in the amount f $XXXX. I have a letter and emails stating that the amount was received. The apartment complex changed management companies after I moved out and no one seems to have any information pertaining to my lease. This is completely illegal and needs to be removed from my credit.

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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX made a hard inquiry on my credit report on XX/XX/XXXX without my permission or authorization. I spoke to TransUnion supervisor XXXX XXXX on XX/XX/XXXX who refused to remove the inquiry and informed me that I could not dispute the inquiry. I contacted XXXX XXXX who told me they would not ever make a hard inquiry without authorization. But XXXX would not send a letter asking for the hard inquiry to be removed. I asked Transunion to make this inquiry a Fraud Inquiry and they said no. So there you have it, both the credit company and the credit reporting agencies are both working against the consumer with no way to resolve. What a shame.

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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These are errors:Addresses:XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers:XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Please see certified letter dated XX/XX/XXXX. ( enclosed ) After sending my certified letter, I received a mortgage interest statement. ( enclosed ). 

I also enclosed a copy of my XX/XX/XXXX Chapter XXXX bankruptcy for this home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote a check to XXXX XXXX in the amount of {$1000.00}. The check was deposited into his Bank of America account that day. 

On XX/XX/XXXX, this person found the check and scanned it thru the Bank of America app and they withdrew the money from my account again. 

Almost a year later, and the same exact check was paid. 

You can see it in the attachment. I need my {$1000.00} back today.

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 2018-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB
State: AL

Complaint narrative:
I have a loan with StateFarm Bank using my father as a co-signer. I do not receive any statements, electronic or paper, for the account. 

I intentionally paid extra on my loan a couple months in a row, and StateFarm took me off of auto-pay. I was not aware that my loan was no longer auto-debiting from my account. This cause me not to pay the loan for 3 months. 

I did not receive a statement, an email or a phone call regarding the account. All communication went to my father who did not inform me I was late on my loan payment. 

This now will negatively affect my credit score and his. 

Once my father informed me he had been getting mail from state farm, I called to check on the account. 3 times I was told the account was current and no payment was required. 

I have gone into the account to request a paper statement be mailed to me, but the website says I am " not eligible '' for paper statements. However I am the one paying on the loan! I am not even able to review an online statement! 

This is unacceptable. I should be informed about what is going on with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit reporting agency called Experian suggested in their letter to me dated XX/XX/2018 ( report # XXXX ) that I write to you about their decision to materially lower my credit rating. 
Their decision was based on me missing a $ XXXX monthly lease payment on a car I had just acquired. That was a simple mistake due to the car dealership erroneously informing me that my monthly payment had been paid with the initial deposit that I made on the car. As soon as I was informed that this was not the case, I paid the outstanding {$79.00} to keep my account with XXXX XXXX up to date. Nonetheless, Experian decided to maintain their downgrade of my credit rating. 
This behavior by Experian is non-sensical and wrong. I hope that you will use your enforcement authority prevent such behavior from penalizing consumers in the future and restrict Experian from acting in this way. 
Please do not hesitate to contact me should you have any further questions or comments in this regard.

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 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I were not inform of any payment arrangements, nor did I received any letter of changes to my account. When in accutuality my loan was on forbearance and not.it in on the income driven program. 

So no the reason why late payments is on my credit report, I gave no idea? I Never had to make any type of payments since I was approve back in XX/XX/2006 until now. So maybe it was a mis hap on there part. But I never agree or sign any form make payment with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
To whom it may concern at Wells Fargo, I am writing this letter to explain the series of unfortunate events that have caused me to fall behind on my mortgage. I am writing this letter to explain a few things in regards to my mortgage loan and why I feel should be reviewed for a Loan Modification. We feel a loan modification would benefit us due to the drastic change of our income. My husbands job closed down and I XXXX XXXX had to take an early retirement due to an infusion where I could not perform my usual duties. Weve also had a few unexpected expenses, such as dental bills totalling {$25000.00} combined. Weve also had problems with our basement flooding ; causing mold on the walls and thus we need a new roof. Also, plumbing was done as well and that was very expensive. On top of all of this happening, we had our other usual housing expenses. 
On XX/XX/XXXX I decided to submit a mortgage assistance package to my lender. On XX/XX/XXXX, I spoke with the re-entry department at Wells Fargo and they advised me they could not move forward for the review due to the sale date at that time set for XX/XX/XXXX. I had no other choice but to head to the court house in my county and see a judge in hopes of getting an adjounrment. On XX/XX/XXXX, the judge granted an extension and moved the sale date for XX/XX/XXXX. I re-sent another mortgage assitance packgae to my lender asgain since I had more time now. On XX/XX/XXXX, I was made aware again that my file was not being able to be reviewed for a loan modification. There are 3 reasons why I believe I should be able to be fully reviewed for a loan modification at this time. The last time I was fully reviewed for a modification was back on XX/XX/XXXX, which means theres already been more than a year of time since the last review. Second, I have had a recent change of income compared to the income I last had in XX/XX/XXXX. I now make less income than before. This is another reason why I should be able to be reviewed again. Also, I was advised on XX/XX/XXXX XXXX by XXXX in the re-entry group that the investor for my loan was XXXX XXXX and that I was not able to be reviewed, because I had reached my mod limit. Then on XX/XX/XXXX, I spoke with XXXX XXXX in the Customer Recovery group and again he advised me the investor for my loan was XXXX XXXX. I sent a request in writing asking for my investors name and information. On XX/XX/XXXX, I received the response for my request and I was advised in writing by Wells Fargo, that my investor was actually XXXX XXXX  NOT XXXX XXXX. Therefore, this is another reason why I should be reviewed again, because I was lied to and that kept me from re-applying for a loan modification and during that time I had a foreclosure sale date set for XX/XX/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 2018-02-06 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
This inquiry was added to my XXXX  credit report on XX/XX/XXXX. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue. 
Update : I spoke to XXXX XXXX, Office of the Chairman, at Citizens Bank on XX/XX/XXXX.  She said she needed to obtain a copy of my credit report in order to further investigate this inquiry. I was going to send my credit report, but realized that this is not my responsibility to provide my report to a company who fraudulently pulled it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Designed XXXX account with XXXX XXXX XXXX Hospital is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX hospital as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the PayPal credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. 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 non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens bank has taken {$410.00} from my account for overdraft fees. I am opted out of overdraft protection, and have also documented account minipulation, on behalf of citizens bank. I have taken screen shots of the bank flip flopping withdrawls, and deposites to bring the account negative for preauthorized debits or checks. There was also a situation where my mortgage lender withdrew my mortgage on the wrong date. After correcting the lender, and the funds being returned, citizens would not refund their fees. This transaction was on the XXXX, but was later changed to the XXXX by the bank. On the XXXX it showed the withdrawl at citizensbank online site. I find these fees excessive and criminal. After speaking with the chairmen, XXXX XXXX, i did not receive my refund. I have documents to prove bank account minipulation as well as the return of mortgage payment by the lender. I have also been charged fees out of no where, with no trace of bouncing the account at all. This bank is nothing more then a bunch of crooks. More documents availible then attached.

Company response to consumer: Closed with monetary relief