vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 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: IN

Complaint narrative:
XXXX call made at XXXX pm Called in to inquire about a bill amount showing due. File status was on a {$0.00} payment plan notified 6 months past due on credit report on XXXX/XXXX/XXXX. I never received any calls about a delinquent status. Spoke with XXXX - XXXX was refused service after verifying full social and address. Date of birth incorrect asked for manager got a XXXX - XXXX. XXXX was refused service again after verifying full SSN asked for a XXXX XXXX was refused and told I will not be able to speak with anyone other than him. Would not provide a manger after multiple request. Would not provide manger ID after multiple request. Refused to provide address or phone number for a complaint department. I have filed a dispute with XXXX and possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX I attempted to enter an income based loan rehabilitation program. I was told by the representative over the phone that I needed to submit a Financial Income Statement form, send proof of income, as well as a copy of the signed loan rehabilitation agreement. I completed the forms and submitted them via email and a payment was collected from me in the amount of {$5.00}. From XXXX XXXX - XXXX XXXX I made monthly payments in the amount of {$5.00}. I missed my XXXX payment and because of that in XXXX XXXX I made two payments. I was told that as part of the agreement after I completed the 10 payments my loans would be taken out of deferral. I made my payment in XXXX and due to my own fault I lost contact with the company. In XXXX of XXXX I made contact with the company with hopes of continuing or restarting the rehabilitation program. I was told that because I had never submitted a signed agreement that I was never actually enrolled in the program. So i was " voluntarily '' making payments. I would never volunteer money ( no matter how small the amount ) if it was going to count for nothing. The representative I spoke with tried to explain that in XXXX XXXX they sent me a letter saying they never received the document, but from XXXX - XXXX during our monthly phone calls my designated point of contact never mentioned that I was missing this documents. He gladly just took my {$5.00} payment. There clearly was gross negligence on Reliant Capital 's part for not making me aware that they were missing any information. And pure ignorance on my behalf because I should have followed up. Moving forward I want to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a service connected, totally and permanently XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Originally had a card with an annual fee, upgraded the card to one without an annual fee 1 year from the original open date. Still charged the annual fee for the old card and they refused to reverse the transaction even though the representative I upgraded the card with said it would be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I just called to activate my new XXXX XXXX credit card from XXXX XXXX and the representative told me on the phone that my account was closed and a letter will be sent in the mail. This has never happened before and I am completely embarrassed to have been treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Attempted to set up my Capital One account for use on XXXX for purchase of crypto currency, but they blocked account from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
I applied for a car loan at XXXX XXXX XXXX dealer on XXXX XXXX 2017. They ran my credit and told me everything is good and I drove the car out of the lot. For 5 weeks they kept running my credit even though I had been approved for a loan with XXXX. They wanted to only go with XXXX XXXX XXXX XXXX. This is a predatory lending practice. Therefore I could n't register my car in time, I could n't get a parking pass in my residence and my credit score kept going down. I have finally received a Bill from XXXX XXXX XXXX XXXX. There is NO contract or initiation package included that confirms the terms and conditions of the loan. There is NO online customer support. They do NOT answer the phone they have enlisted in the bill and they expect me to pay them in 3 days. I can not pay a bill until I confirm it is a legitimate financing company with the terms that I signed the contract for. The dealer is not helpful at all either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I 'm a US veteran and did a VA streamlined refinancing in late XXXX with Stearns Lending ( the " Company '' ) as the finance company and current holder of the note. The Company 's loan servicing provider is " XXXX '' and that entity has a current practice of charging borrowers a {$5.00} processing fee for payments made over 4 days past the payment due date. Payments made over 9 days past the due date are assessed a {$10.00} fee. Loan documents state that I have a 15 day grace period to make payment each month without any late fee assessment. These processing fees during the grace period were not disclosed at the consummation of the financing. The assessment of " processing '' fees appear to be a disingenuous attempt by both the Company and its service provider ( XXXX ) to assess a late fee just by calling them something other that late fees. I tried to resolve with XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XXXX XXXX, XXXX, I received a notice from a fraud detection service I am a member of. ( XXXX XXXX ). They showed that I was turned in by USAA Bank for " being over the limit '' on my credit card with them. Since I had scheduled a payment to be made the prior week before the stated " Due Date '' in XXXX, I went in to check to see why USAA did not process my scheduled payment. I have had several intermittent issues with USAA processing my payments over the past few years - some with credit cards and some with premium payment for insurance. Each time I notified them of their problem, but no fix has ever been initiated by them to my knowledge. Once I saw this notice from XXXX, I went into the USAA website to see what the problem was. Again, they did not process my scheduled payment causing this " over the Limit '' issue. I immediately made ANOTHER payment. This time it was processed. The date was XXXX XXXX. The XXXX notice and information passed along to XXXX ( and perhaps other credit reporting agencies ) stated falsely that on XXXX XXXX, my account was " over the limit. '' On XXXX XXXX, I went back into the XXXX account to make sure the supplemental payment I made showed up, as it did on XXXX XXXX. It was there on XXXX XXXX and I made a screen shot of the USAA information posted. USAA provided reports to the credit reporting agency ( ies ) that stated I was " over the Limit '' on XXXX XXXX, XXXX, even thought their own documentation showed otherwise. I notified USAA to report this false report and or the few hours that my account showed being " over the limit, '' provided them with the screen shot and asked them to look into my files to see all of the many other times they did not process my scheduled payments, and asked them to send the corrected and correct information to XXXX and other reporting agencies to clear up this problem they created. They contacted me after a few weeks and said that they " thoroughly '' investigated this and this was not their error. Not sure how this is possible with the facts and evidence I provided, but nonetheless this was their stance. I have along list of documentation history on the scheduled payment problems with USAA, the XXXX Report, the USAA Account screenshot that I can provide to support the statements made herein.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: MD

Complaint narrative:
In regards to the XXXX XXXX XXXX XXXX auto loan ( now judgement ) with a balance of {$15000.00}. I have tried and tried again to contact this company to settle the account balance. They filed a judgement against me on XX/XX/XXXX. Both myself and my mortgage representative have called to settle the account. Each time that we call, they say the person that handles the settlements is not in the office and they would have to call me back. They have never called myself nor my mortgage rep back. They are not allowing me a US Veteran the opportunity to rectify this account! My dispute with XXXX and XXXX resulted in them removing the original account from my credit. It is still with XXXX on my report. Also, XXXX XXXX a third party is now reporting the debt to my credit report as now per law the credit bureaus can not report the information to my credit report. This account alone is keeping me a US Veteran from obtaining my family a new home to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LHR Inc.
State: MA

Complaint narrative:
This company has been harassing myself and my family members repeatedly and saying I owe a medical bill of {$800.00} from 2010. This is not on my credit report. They have threatened saying they 're going to bring me to court if I do n't pay them right away. I 've told them to take numbers of my account and they have continued to contact my family.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Called customer service to ask for a forebearance, was directed to hold for over 4 hours with no human answering to deal with my inquiry, and during the holding an automated message directed me to a nonexistent concierge service for scheduling a callback. All of this happened between the hours of XXXX and XXXX CST on  XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: MO

Complaint narrative:
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

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 2017-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please help!! 
I have been trying to bring my loan current for a week. Instead of accepting my money WF put a sale date ( see attached ) on my home. Im getting zero cooperation out of WF and I have the right to bring my loan current. Wells Fargo will not accept any money or send instructions to the Title company XXXX XXXX. XXXX says they need payoff instructions from WF before I can pay them and bring the loan current. But I 'm not able to get any help out of WF, they will not cooperate. They keep telling me someone will contact me but no one does, shocker!! Instead they avoid me and put a sale date on my home in 3 weeks, XXXX XXXX, 2018 In addition I 'm located right where those CA wild fires are. I believe I have the right to bring my loan current and that 's what I intend to do even if I have to file an emergency BKXXXX and ask the BK trustee to force WF to allow me to bring my loan current. 

Thank you for any assistance you can provide my contact information is below! 
XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
I have written to the company a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my  physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. As of XXXX /2017 they had sent me a document with wrong address, no consumer agreement, and also my name typed as a signature with undercase lettering. That is definitely not an authorized agreement. They have STILL not  provided me with any proof that this said " debt '' belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I  actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my  balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX XXXX 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is  retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

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 2017-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd.
State: UT

Complaint narrative:
Yesterday my daughter was contacted my a person named XXXX XXXX who made threatening statements about a lawsuit against me. The phone number she was given was for XXXX XXXX XXXX XXXX ( XXXX ). I called the number and left a message. I was unaware of any debt owed that would result in such action. 
When XXXX called me back she stated it was unresolved debt from a payday loan I 'd taken out in XXXX 2014. I know for sure that loan was satisfied. She stated I would be served papers and verified my phone number and place of address. 
The next day I got a recording stating I would be served papers at my place of residence or work and if I was served at work then I would need a supervisor or head of security to co-sign. I called then number provided ( XXXX ) and was transferred to a business that did n't identify themselves when they answered. They merely said hello. I asked who I was speaking to and was told XXXX. I attempted to talk to him about availability to be served court documents. He became extremely rude. 

He asked me if I had spoken to the original creditor ( The Cash Store ). I said I did n't, but I had bank statements and receipts to prove the loan was paid in full. He told me to expect to be served and the matter would be resolved in court. 

I called the Cash Store and was given the information to their corporate office. The person I spoke to confirmed the loan had been paid in full. She said if I received any other phone calls I should tell them to 'Cease and Desist '. I called the phone number back ( XXXX ). Again, the phone was answered by XXXX who did n't identify the place of business. I told him I had spoken to the Cash Store and the loan had been satisfied. I told them the representative said to cease and desist. He told me to bring all of that information to court and hung up on me. 

Part of what seems off is yesterday, XXXX XXXX did not have my employer correct and when I told her that was not my employer, she did not try to collect the information for my current place of employment. They also can not tell me how much the original loan amount was and the stated I had written bad checks. The money was automatically withdrawn from my account, which I have proof of on bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My checking account was compromised and monies removed without my knowledge. The fraud committed was at four branches of the Bank Of America on the same day in Georgia. Person or persons withdrew {$18000.00} over four times in the same day. Based on the bank records Tellers paid the person or persons in cash from the four Georgia locations. Where was the security and bank due diligence? The account is located in XXXX at the XXXX XXXX location. I filed a fraud claim and the Bank Of America denied it. They gave away my money without a notice to me or a challenge to the fraud person. I 'm in XXXX and someone is stealing my money in Georgia and the bank did nothing. The next day I viewed my account and went to the branch office and filed a fraud claim. My wife and I gave them our debit cards and the office manager disposed the cards and we closed the account. I have filed an appeal to their decision and awaiting a final decision to my appeal. In the mean time I have filed a police report and will taking additional steps until this issue is resolved.

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