vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a co-signer on a Wells Fargo student loan for my daughter ( Loan # XXXX ). She missed several payments in XXXX. Wells Fargo failed to contact me as a co-responsible party and subsequently entered poor credit information on my credit report. Wells Fargo fails to update their systems so that notifications are timely and immediate corrective action be taken by the co-borrower. I was issued three Wells  Fargo complaint numbers ( # XXXX, # XXXX and # XXXX ), all failing to resolve the issue. I will attach evidence Wells Fargo changes information in their internal systems regarding contact information that I neither requested or agreed to - and they changed it to a wrong address - more than once. Yet, Wells Fargo have my correct email address but still fail to send me notifications as the co-borrower. I requested, due to their negligence, that Wells Fargo remove this erroneous reporting. They refuse to do so. I know I changed my contact information XX/XX/XXXX - they failed to update it in their system. 

Given issues with this loan, I paid the loan off in full on XXXX XXXX. I sat in front of loan officer XXXX XXXX at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX NC. I told her my goal was to pay the loan off in full that day and to dispute late fees and credit reporting due to Wells Fargo 's lack of proper loan servicing. XXXX told me the payoff - minus the late fees, which they were waiving - was {$4700.00}. Indeed, they included {$230.00} in late fees ( documents attached ). They  subsequently refunded my daughter {$48.00} - they still owe me {$180.00} ; they refuse to refund this amount. 

I have tried and exhausted all my attempts to resolve this issue with Wells Fargo - they are impossible to work with. I request your help in getting both my credit rating restored back to it's near perfect rating - and the refund that is owed. 

Thank you

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 2019-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
These student loans are not mine The home I was living at withbmy boyfriend in XXXX Tx.. I lived as we broke up.. I left my iD in his drawer beside his bed.. I was angry because he was cheating on me with a girl that has same name as me..my ex had the lady name XXXX so her name XXXX XXXX .. this girl was from XXXX  and they kept all my things and wouldnt give them back to me. This lady is the one that falsified school documents and stole my identity!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a XXXX year old single mom and I have XXXX XXXX. I fell behind on a few of my credit cards, all with Chase bank. I have three accounts with them. XXXX, Freedom, and Amazon credit cards. They finally 0put me into zero interest, bu only after I researched it ( they did not offer it to me ) and then gave me conflicting dates on when the payments were due -- told me a payment was not due when it was, and now I am so far behind I can never catch up. 

They simply doubled the payment due. The website portal also shows a different amount due than what they tell me to pay -- so that adds to confusion. One payment on one card alone is almost {$700.00}. 

At this point I owe Chase about {$25000.00} -- most of which is interest since they put me into " penalty pricing '' -- a higher interest rate. I explained that I am working part time due to my XXXX diagnoses -- to please stop billing me -- to close the accounts -- and I can pay them a lump sum of 30 percent in XXXX to settle all debts. I get paid out of the XXXX I XXXX and I have a lump sum payment which totals {$3500.00} and then my income tax return should mirror last years which totals about {$4000.00}. They refused to settle the debt for less than 90 percent of what is owed. Please assist me. I don't want to commits bankruptcy. Thirty percent of the current debt is {$7500.00}. Tacking on interest to someone that already can not afford to pay is a play right out of an organized crime playbook.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westcreek Financial
State: TN

Complaint narrative:
Received a collection call at XXXX XXXX central this morning, XX/XX/2019. 

This company also calls me at least times a day, sometimes 5. It's getting out of hand. STOP IT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In XX/XX/2019 I had a account with XXXX which included insurance on the ( 2 ) Two cellphone, which were being pay each month in the bill amount, I went XXXX and the cellphone were stolen, on my return I call XXXX and reported the matter then I went to a XXXX  store and was awaiting them contact me and in stead a collection agent AMSHERCOLLECT SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, Telephone number ( XXXX ) XXXX for amount {$4400.00}. I explained my situation to them and informed them about the insurance which was on the account because my phone screen broke before and it cost me {$190.00} so after that experience I added insurance to the plan to cover any damage or if the phone is lost or stolen, only thing they are tell me is that I need to pay this amount and my account condition is DEROGATORY but I am asking about the insurance that was being paid for these purposes and these situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
As part of a new home loan a check was sent from a law firm to pay off my loan. The first check cleared the law firms bank on XX/XX/19. I called on three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XXXX ) and was given three different answers. Finally I was told that the payment was sent to the wrong department and they were sending the money back to the law firm which could take up to 3 weeks. The law firm did receive the check back and sent the new check to them again. This new check cleared the law firms bank on XX/XX/19. I have once again called 3 times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and again have been given three different answers. I am now being told it will be posted to my account no later than XXXX and it will be back dated to XX/XX/XXXX. We will see what happens on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, XXXX and associated lenders on this disputed student loan balance, continue to list this account as delinquent on my credit reports. This, in light of the fact that these lenders are taking more than $ 700 monthly in payments from my social security benefits and the co signer on these disputed accounts. While they have finally made good on delivery of the back paperwork needed to try to rectify this loan, I'm not sure how they can take monthly payments and still list my account as delinquent? This is very hurtful to say the least. 
How can I get them to stop?

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 2019-09-30 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: AZ

Complaint narrative:
For the past 2 years I have written this company to have unauthorized credit inquiries removed from my file as well as invalidated public records reporting. This company will not validate that the items are for me. I have called and written in multiple times during the past two years and have again in the last week. This company will not follow suit as the other bureaus in the dispute and remove items that are unauthorized and not validated.

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 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Sometime last week, I'm not positive about dates due to the fact I have zero access to my own account, someone attempted to deposit a counterfeit check in the amount of {$500.00}. The bank returned the check and then closed my account. I have been speaking with them since last Thursday XX/XX/XXXX, about needing my funds immediately, as a single mother of XXXX young children my money is very important to us. I was told by the first person I spoke to that she would put in an expedited claim to release funds to me and that she would have an answer in 24 to 48 hours. I called back the next day and was given 3 separate timelines on when my money would be " sent back to me. '' One gentleman even spoke to a supervisor asking that there be a credit given to allow me to have some sort of funds available to me immediately given I have XXXX young kids who rely on me, the supervisor denied the request. I called back first thing this morning, since they were closed during the weekend, for them to tell me that there has been no expedited claim filed for my account and it will take an additional 3 days to be able to access my money. This is absolutely ridiculous. I'm being treated like a criminal over something I didn't do to a bank I've been banking with since XX/XX/XXXX, 10 years of loyal service to be treated like a criminal and have my money basically stolen from me. I am supposed to be paid this Friday again, and I can't even go open another account at another bank because I have XXXX money to do so.

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 2019-09-30 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have had outstanding student loans for over 20 years. I have been making payments on them every month. Lately I began paying {$1200.00} per month in order to get rid of them. I started looking at the principal and interest on the loans. Nelnet is charge me {$50.00} more per month in interest now even though the rates on both loans are fixed. I do not see any way that the interest can increase after 20 years when my payments are over 4X the required amount. I've asked for an amortization schedule. The loan balance isn't high enough for an additional day to cause that much cost. They are not calculating my payments right and they haven't been for months. If my interest was {$100.00} per month before the large payments, it should not change. It can't be {$150.00} now. I have tried several times to get this remedied and I don't believe any of them even understand what's going on. 

I am sure this is inaccurate at best ... could be worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This is about trans union reporting that I have a derogatory remark on my credit score,  which has been paid for months. 
This is affecting my credit score. XXXX has posted the correct score for 4 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 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have sent several letter to Account Resolution Services ARS XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. Fl. All 3 letters were sent VIA US postal services Certified Mail and receipt were returned. I have asked that they proved a letter of validation however they keep sending me bills. 1st letter sent XX/XX/2019 next letter XX/XX/19 and last letter sent XX/XX/19 I  have attached one letter of what I have sent. And ever time I send a letter they update it on my credit report with new amounts that decreased my over credit score with all three bureaus.

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 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I do have account into Collection called LVNV Funding LLC Under Resurgent Capital Services. I owes XXXX XXXX XXXX  XXXX. Last year I signed the payment plan to save XXXX mean I will pay XXXX for 24 months on XXXX for installment. About 9 months later I has paid XXXX mean It is left is XXXX on balance. In XX/XX/2019, I called LVNV to see if it is XXXX to ready to pay full but this person at phone told me that balance is XXXX. I told it is mistake and I signed the agreed payment plan for XXXX on 24 months. They said no so I have evidence letter so I did send it to company but they are denied it. I decide to cancel that because they are not honest as their company. 

LVNV keeps sending me letter about this. It is not working out for that. 

On XXXX I got email from XXXX XXXX that LVNV has sold my account to XXXX XXXX XXXX. Now XXXX XXXX. I got a letter from LVNV that they sold it to Resurgent Capital Service. I don't know why I do have 2 account in different collection. That's why it is furious about communition because I am XXXX. so Now my account is in 2 different collection and I don't feel uncomfortable to have 2 different collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Mariner Finance in XXXX PA keeps calling and threatening me to take me to court. I've asked on several occasions to have my payment date moved to after the third of the month so I can pay on-time with my Social Security check.

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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Reporting inaccurate information to all credit reporting companies. Never made contact by mail nor a phone call which is in Violation of the FCRA, Violation of the FDCPA ; and Defamation of Character. Original account holder XXXX XXXX, amount {$1000.00} open date XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
My loan was taken over by Loan Care ( XXXX XXXX ) around XX/XX/2019. They have failed to provide me proper accounting upon take over. They have required an additional escrow repayment even though XXXX had just required that before take over. I have paid both additional escrow reserve requirements to ensure no hiccups. On XX/XX/XXXX, I called Loan Care because they had not posted any of my payments and showed I was 3 months behind. I had to provide proof of payment. This took hours! Mid XXXX, I paid the escrow reserve payment of {$110.00} again. On XX/XX/XXXX it came out of my account. As of XX/XX/XXXX they still have not posted it. I have called 3 times and sent 2 emails and they refuse to take any proof that my bank has provided. Now they are saying my XXXX payment is late even though I have provided both a transmittal form from ( XX/XX/XXXX ) the bank and a copy of my bank statement showing they took funds XXXX. They refuse to take that proof either. They have posted a late payment and are now reporting me 30 days late. On XX/XX/XXXX I have spoken to them again and they still refuse to take any proof of funds received. I can not keep calling them monthly when I pay on time. I have always paid on time. I have several mortgages and a 750+ credit score. I can not get through to any real person at Loan Care that can actually correct the issue. A consumer should not have to continually call and proof that a huge mortgage company has their money. This is a waste of time and I can assume I am not the only person having issues. I may be the only person taking the time to make a formal 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 2019-09-30 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I got my most recent credit score on XX/XX/2019. I have been trying to get my credit back on the right direction. i cosigned for a friend and they turned the car back in to the dealership and stopped making payments. This account is still reporting on my credit and affecting me from getting the house i want and the car i want. I made a mistake cosigning and now i have to suffer and not get the things i want in life. I asked that santanders remove this account because it is damaging my credit and they are reporting inaccurate payment history i sent a letter in the mail on XX/XX/2019 and never got a response. I ask that this account please get removed from my credit file i cant qualify for a car to get my children to school and get my self back and forth to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX made a purchase on my XXXX XXXX credit card of XXXX with 6 mo no interest promo plan. On XX/XX/XXXX I made XXXX $ payment to pay regular payment and the entire promo purchase At no time was I ever informed I had to contact them to split payment and I was currently an assistant manager for XXXX XXXX at the time and we were never instructed to inform consumers of that either We were trained the regular payment would be applied and rest to deferred/promo purchase so therefore I had paid it on XX/XX/XXXX they applied the entire deferred interest of XXXX to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation