vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
In XXXX of 2019 my account was transfered from XXXX to LoanCare for servicing. I paid my first payment in XXXX by my XXXX billpay in the amount of {$1700.00} which cleared my bank XX/XX/XXXX. 
LoanCare did not record this payment and said I missed a payment. I called and emailed eventually it was recorded. 
I made my next payment on XX/XX/XXXX in the amount of {$1600.00}. LoanCare did not record this one and said i was behind in payments. I called and emailed and it was recorded after about a month. It had cleared my bank on XX/XX/XXXX. 
My XXXX payment was attempted on their online site in the Amount of {$1700.00}. It was not recorded although it cleared my bank on XX/XX/XXXX. I called and emailed and it has still not been recorded. 
For my XXXX payment, I sent a manual check # XXXX in the Amount of {$1700.00}. It cleared my bank on XX/XX/XXXX. Again it has not been recorded and LoanCare says I am behind in payments. Again I have called and this is yet to be resolved. They say I owe a late fee ( all payments have been made in the alloted time ). They have also reported to the credit bureaus that I have missed payments. I have asked that these be corrected and they have not. 
LoanCare is not being responsible.

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 2019-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient place me in forbearance and wont allow any other options. I am still a XXXX student and have been in forbearance for a couple years. The interest is high and they wont work with me, and have said its my only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC
State: TX

Complaint narrative:
On XX/XX/2019 at XXXX. I submitted a request to change the checking account that I use for ACH for my FHA mortgage that is being serviced by GMFS. The conformation that I received stated that the change would go in to effect on XX/XX/2019, Since I was told the change wouldn't not go through until XXXX, I made the XXXX payment manually to avoid being late on my mortgage. On XX/XX/2019 both the manual payment I made, and the ACH that wasn't suppose to begin until XXXX, posted to my checking account. I called GMFS immediately, and they informed me that there was nothing they could do, although they could see from their records why the double payment occurred. I was told that a supervisor would contact me by end of the work day. After not receiving the promised follow up call, I called them again, and again I was told that the supervisor was " busy '' and to prevent the issue from going any further they would cancel any future ACH withdrawals for my account, and make my next due date XX/XX/2019. This would have corrected the issue, so I took no further action. Today XX/XX/2019 another charge was taken from my checking account, despite being told that all transactions of this sort would be canceled. I again immediately called GMFS, and they told me that there was no record of the ACH being canceled, and there was nothing further they could do for me, other than cancel future ACH transfers from being taken out. So, on two separate occasions GMFS erroneously withdrew a payment from my account. Both times I was told there was little to nothing they could do. Their errors are putting unnecessary strain on me financially. Its sad that a company that a company that we are suppose to trust with servicing our mortgage cant take proper action to rectify this situation that was only caused by their own incompetence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
When I moved from XXXX to XXXX XXXX I put my XXXX service on hold until the move was complete and we had a new address for service. When I called and setup the appointment the XXXX service guy thought it was new service and opened up another account in my name. I told him that no it was an already existing account, he said he would take care of it. Three months later I'm turned into collections for the other account and my current account is always paid on time, and I made sure I set back the old equipment from the other account. I've tried several times to call and explain and each time I'm told it was XXXX mistake and they would fix it. I'm not paying for something that's not my fault. I would like this off my credit ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP
State: CO

Complaint narrative:
I payed off an Equity Line of Credit with Key Bank in XXXX of XXXX. I filled out paperwork to close this account. In XXXX of XXXX I noticed the account was still open - I filled out paperwork again to close the account. In XXXX of XXXX, I was checking my credit report and noticed this account was still showing open. I went into a Key Bank branch and filled out paperwork a third time to close the account. I filled a dispute with XXXX   credit bureau as the account was still showing as open in XXXX of XXXX, and I had been told the account was officially closed. The dispute came back as correct and the account remains as showing open!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
In XX/XX/XXXX, my wife parked her car in a parking lot and for whatever reason, ( I think she forgot to have her parking tag displayed ), she received a parking ticket. In XX/XX/XXXX, she paid the fee. 
The car is registered in her name with the State of Colorado and always has been, back to XX/XX/XXXX. 
Now, in XX/XX/XXXX, firm " Linebarger Goggan Blair & Sampson, LLP '' ( 'the firm ' ) have started mailing me, husband, for collection of the fees that were already paid by wife. 
1. Based on the fact that we already paid the fees, we don't intend to pay them again. 
2. Based on the sketchy fact that 'the firm ' has contact me, husband, instead of the owner of the car, wife, indicates to me that this is a questionable collection process as well as a questionable fee. 
3. Reputation wise, a search of 'the firm ' online reveals that they're collection processes are questionable, un-ethical, and not based on accurate un-paid fees. 
4. Do I really believe that the parking lot wouldn't have contacted us in XX/XX/XXXX, or XX/XX/XXXX, or XX/XX/XXXX???? No. This seems like a law firm got ahold of old data and they're looking for suckers who will be intimidated and send money to this company. 
5. Given how sketchy this collection firm is, there's no reason why I'd ever let them near my bank account information via me sending them a check, or me paying via a credit card at their website. They're an identity theft waiting to happen. 
6. The paperwork sent to me has no mention of the CFPB as a notification of customer rights or recourse for action. If they want to avoid the CFPB, they're probably not reputable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NH

Complaint narrative:
The company is taking 3/4 of of my payments every month and paying of the interest first

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: TX

Complaint narrative:
I recently got married so my income increased ; however, this caused my payment to triple under IDR. On XX/XX/XXXX 19, I contacted FedLoan and spoke with XXXX ( EID # XXXX ), who indicated that if I switched to REPAYE, my payment would only double, which was more manageable. XXXX and I discussed the " required '' month of forbearance where I would have to pay {$5.00} and I asked if there was a way to waive the month of forbearance and have the payment plan go into effect immediately. XXXX said she would request a waiver of the forbearance and have someone contact me to see if my payment plan could go into effect immediately. On XX/XX/XXXX19, I received my next bill from FedLoan indicating I would be billed for over {$1300.00} on XX/XX/XXXX19.  Therefore, I contacted FedLoan again on XX/XX/XXXX 19 and spoke with XXXX ( EID #  XXXX ) after being on hold for over 15 minutes. I asked XXXX about the status of changing my payment plan and she simply provided canned answers with no real explanations about why it would take at least another payment cycle to process the change in my payment plan. When I asked why I was forced into forbearance for a month, she did not provide any rationale behind the forbearance but simply stated it was required when changing payment plans. I have read the print on my application and understand that it states that but it does not make sense at all. It is obviously FedLoan making it impossible for borrowers to maxmize their payments under PSLF. XXXX was also extremely defensive when I asked questions about why this was taking so long seeing as I submitted the request a month before my next payment was due. She gave curt responses like, " There are thousands of requests received each day and we process them in the order in which they're received. '' XXXX also made an interesting point and said my plan change isn't even looked at until the forbearance is put into place, thereby delaying the process even more. It is absurd that the forced forbearance and new payment plan calculations can't be done at the same time. I am getting close to 120 payments under PSLF but FedLoan seems to be standing in my way more than anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America would not release the funds on a government check as they have in the past, without notification and are holding the check for 10 days. I am a customer of 7+ years with this bank. I was not given any notice that they would not honor and release funds as they have in the past. This cause a serious problem for my workers, business, and home. I now have a lapse in health insurance, car insurance, 30 day lateness on my car and mortgage payment, and my payroll company will probably fine me as well, just to name a few. The bank has charged me over $ 500.00+ in bank fees just for XXXX. I want all my accounts reviewed and monies refunded to me that was unfairly charged because of how they hold money to create bank fees for themselves. This is predatory and discriminatory. I feel I am being targeted by Bank of America because I ama small minority businesses. 

I want my accounts reviewed, bank fees from the passed 7 years refunded that fit the criteria of unfair, abusive, manipulative, deceptive, predatory and shady. I want a letter from the bank that can be submitted to all 3 credit 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 monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Each month I receive a statement from Kohl 's and each month my due date falls on the XXXX. The statement clearly indicates that I have until the XXXX to make my payment. It gives no time-frame nor any restrictions. Just that I have until the XXXX. I recently looked at my statement and found the last ( 2 ) months, they have accessed late fees of {$38.00} each when I made my payment on the XXXX. I either do it online or over the phone. I called and spoke to a few representatives and I am being told they close at XXXX and any payments made after that time are processed the next day. So when they process the payment on the XXXX, they hit me ( and everyone else ) with this late fee. The statement CLEARLY says the XXXX with no other provisions. I have yet to count how many times they have deceived me with this practice but I can only imagine. This practice is deceptive and clearly inflicts financial hardship of all card holders and needs to be looked at. Another issue found is this PROTECTED BALANCE which I am being charged 24.15 % interest. No disclosures, no notices, nothing in reference to this being added to my account. So currently I am paying 27.24 % plus 24.15 % totaling 51.39 %. Incredible that they are getting away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo is my loan services. I have never missed a payment. After ten years the majority of my payment still goes to interest and not the principal. There are months that my {$1600.00} payment is not credited in full for either principal, interest or escrow they will credit {$2.00}. Im wondering where my payment is going? The reason is because Im in the XXXX XXXX know your options program which is for struggling homeowners facing foreclosure. Wells Fargo has a history of fraudulent practices with their customers. I have never expressed any communication with them about struggling or trouble paying my mortgage. Where are my payments going? Why is the full amount not credited at times? What is the other category on my statement and why is money going there? Why am I in a program for pre-foreclosure with my lender? Why is the majority of a full payment still going to interest and not principal? 

These are my concerns and I never get straight answers from Wells Fargo please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: MD

Complaint narrative:
I have sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items

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 2019-10-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I logged in to my online account on XX/XX/2019 in order to find details of my loan balance and interest rate. A simple monthly statement for viewing or download would have been fine. But that was no where to be seen online. Absolutely no where could I find my interest rate. 

I called the company to ask for a statement on XX/XX/2019 and was informed that they would not provide a statement. They offered to mail/email me my original paperwork and a copy of the payment history. I stated that it seemed odd that they could/would not provide a statement. The representative had no explanation or idea why this would not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
ARS ACCOUNT RESOLUTION # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :

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 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Radius Global Solutions XXXX XXXX XXXX XXXX, XXXX, PA XXXX Radius Global Solutions, ( XXXX ) XXXX keeps calling my place of business about a bogus debt. I specifically told them I would ONLY correspond by mail and asked for a verification of the debt. It has been 2 weeks and they have not responded by mail and they call me 3 and 4 times every day at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen/ PHH is the servicer of my Loan, I am trying to Refinance to consolidate First & Second lien of my property, doing so I will be greatly benefit, but I am having trouble getting the Payoff to be able to set the closing date, PHH is not cooperating. I had made many call and also my Loan officer had requested the Payoff for about 2 months to them, with no response. I need your help as to my interest rate on the financing I am trying to close is about to expires. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2019 I sent {$300.00} to a person named XXXX XXXX for some concert tickets. Shortly after sending the money I asked this person about the tickets and never got a response. I followed up multiple times and was unable to get a response. This person is scamming a lot of people ( I have been in contact with at least one other person who are in the same boat ) and they are using XXXX and other XXXX apps to accomplish this. I have contacted Wells Fargo on multiple occasions and they are unwilling to help. They will not refund the money or provide the receiving banking institution 's name. The scammer is using the name XXXX XXXX, phone XXXX, email XXXX Wells Fargo XXXX Transaction Date XX/XX/2019 From account XXXXXXXXXXXXX Amount {$300.00} Fee {$0.00} Confirmation code 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 2019-10-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I attempted twice to get a copy of my report from XXXX. First time my request was ignored. Second time they sent me a letter stating that they needed me to put my request in writing along with my PIN number for my security freeze because I requested to change information contained in my report, which I did not. I then followed up with a phone call and they were " unable to access my report '' to assist me with my concern.

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