vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-09 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: MO

Complaint narrative:
XX/XX/XXXX : Logged in to my XXXX XXXX account online and updated my direct debit to increase the amount to be automatically withdrawn for my XX/XX/XXXX direct debit payment. Saved the confirmation that the changes had been successfully made for the direct debit payment scheduled for XX/XX/XXXX. No changes were made to the bank account used to make direct debit payments. Direct debit payments have previously been withdrawn from this same bank account since XXXX. This bank account had more than enough funds to cover the direct debit withdraw on XX/XX/XXXX. 

XX/XX/XXXX : Logged in to my XXXX XXXX account online to update my direct debit to decrease the amount to be automatically withdrawn for my XX/XX/XXXX direct debit payment. Viewed payment history and saw that the last payment had been withdrawn on XX/XX/XXXX. Searched my account information and could not find any direct debit payment withdraw on XX/XX/XXXX as scheduled. Checked the bank account the payment was supposed to be withdrawn from and no withdraw had been made. Contacted XXXX XXXX through their online messaging system asking that they address the issue and reverse any outstanding interest accrued as a result of their mistake. 

I am waiting to hear back from XXXX XXXX but this is not the first time they have made a mistake and mishandled scheduled payments. My interest rate is fixed only if I do not miss a payment. XXXX XXXX is jeopardizing my fixed interest rate and the fair payoff of my student loans with their irresponsibility, lack of transparency, and a broken online system that does not carry out payments as scheduled and confirmed. These types of mistakes are costly to citizens making great effort to pay off their student loans and should not be occurring. I do not trust, as a direct result of these issues, XXXX XXXX practices and policies. I will be looking into switching back to my previous student loan servicer, XXXX, which NEVER missed a direct debit payment nor misled me about how my payments would be handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
The transfer was put on hold and when the MoneyGram agent and me, talked with a high level manager at MoneyGram he refused to allow the wire transfer! The agent and me answered all the questions he asked! The MoneyGram manager said I was not allowed to use MoneyGram services anymore! This would not be a problem, but XXXX XXXX told me five years ago that I could not use there services! I tried to use XXXX XXXX recently, but they declined the wire transfer! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I live in XXXX, TX and was impacted by Hurricane Harvey in XX/XX/XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( XXXX XXXX XXXXXXXX XXXX ) due to my wife being unemployed due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -XXXX would continue to accept payments if i was financially able to do so -XXXX would not assess late charges to my account during this period -During the term of the agreement XXXX would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement XXXX should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with XXXX, on XX/XX/XXXX XXXX reported to Equifax the my account was " Not more than 2 payments past due ''. 
I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. XXXX once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX XXXX once again breached the agreement by reporting to Equifax that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date XXXX has made no effort to fix the problem. 
XXXX also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: TX

Complaint narrative:
The FedLoan Servicing within my credit monitoring service is showing 50 missed payments. However, my account was in forbearance while I was in school and having a new baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I was told five years ago by XXXX XXXX that I could not use there services! I try to send a wire transfer yesterday and it was refused after I sent it! How long do I have to wait until I can use your company again??? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Using my XXXX credit card number to make XXXX and XXXX distributing purchases of computer equipment. 
Also, attempting to open credit applications with XXXX XXXX and Bank of America using my credit security information.

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 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax confirmed that my SS # /credit information was compromised during their hack. They gave me credit freeze ( confirmation # XXXX ), credit monitoring, and ID theft insurance for one year. However, since the hack is Equifaxs fault, they need to make the credit freeze, credit monitoring, and identity theft insurance should be indefinite, not just a year. Also, Equifax needs to pay for a credit freeze on my accounts at the other two credit bureaus. 

I contacted Equifax about the need for them to pay for the freeze at the other 2 credit bureaus on XX/XX/XXXX, but they ignored me. 

Equifaxs site wont authenticate me, because it says I answered credit questions wrong. It said I may have taken out an auto loan in XXXX and asked the name of the loan company ( see attached ). I chose none of the above, since Ive never taken out an auto loan in my life. It asked for the monthly payment. I chose none of the above since there is no loan. I did the same with the next similar question. Nothing on my credit reports says anything about auto loans or any loan other than my student loans with XXXX. I answered all of the questions correctly, but it wouldnt let me into my account. When I looked at my credit report, of course there was no information about an automobile loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I had an account with Rise please reference RE : XXXX XXXX ; CFPB Case # XXXX. I paid the amount owed in total to NCB Management Services with the understanding that they would not report anything to the credit agency. This debt has been paid in full and I would like to have it taken off my XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: CA

Complaint narrative:
To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with XXXX XXXX which is with XXXX XXXX XXXX XXXX After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount is for {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
Myloancare.com has changed how their online payment fee structure works. 

If you call in with your number the call clearly states " No fees will be added if paid within 15 days '', but then goes to say " Fees will be added after 4 days after due date ''. 

My mortgage specifically states that there will be no fees if paid by the 15th, nor have I been charged any until this month. 

Now, with this change, there is no way to avoid a XXXX dollar fee ( at minimum ), whether paying online or by phone. They are going directly against my service loan, with no option to do anything but to pay the XXXX dollar fee, or more depending on how I pay. 

By submitting a payment online, I am forced to accept the service charge, if I want to pay online, otherwise can pay over the phone for {$12.00} -- All going directly against the original loan terms. 

The eStatements from the previous month do indeed say something about no fee from auto draft, and " Up to XXXX for online payment '', whereas my loan does not differentiate between the two. 

They are intentionally violating the terms of my loan by these changes, and did not send out any warning or notice of change, nor did I agree to any change as stated.

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 2017-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with best buy which is with Citibank , N.A . After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.

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 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I had account with XXXX I did a settlement and pay it in a full and as of today my account still active and on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I applied for a loan, with XXXX cash. I went on line. and the manager XXXX XXXX XXXX sent me an email. to me stating she was Not going to let me apply for a loan due to a loan was taken out in my name in XX/XX/XXXX. stating that, was the reason. Not letting me come in and make arrangements or proving that person was not Me. She has since XXXX XXXX, and she used all of the information that was in my files, to get cars. loans and other items. She XXXX two months ago, and before she XXXX XXXX. she told me she was sorry she had done this me,. and other people with the same name and almost the same social security number. So XXXX XXXX should have told me to come in with the report from the credit bureau to show this adversity had been on my account some while. and alerts have gone out for this matter, XXXX XXXX being a lazy and incompetent manager, did not even look for that at all. she simple turned me down and kept going. and she wrote to me a sleazy statement and stated to Me she was not going to let me have a loan. Ok, that is a form of discrimination due to the fact, I have the paper work to show I am not that person and information on my credit files have been damaged. she did not do that for me. the solution should have been to come in and show the files and start from there, or work a payment plan for the remainder of the loan. this lady did none of that. I want to file against this company for alleged information and not looking forward to the correct information that has been placed on each of my credit files. She should have done a better job in her research and not turning people down. she is not supposed to do people like that Is n't she in business to perform. her Job. she could have state home today with her derogatory statements Because i CLEAR DID NOT NEED TO HEAR THEM. SHAME ON YOU DO A BETTER JOB NEXT TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Did Wells Fargo pull a bait & switch by changing a 15-year mortgage to a 30-year mortgage at a higher interest-rate? Over the term of the loan, total interest payable was increased by {$160000.00}. It is a sad tale of nonexistent emails, lost documents, discovered exhibits, mysterious sentences, secret guidelines, disappearing taxes and bad math. Really bad math. Wells Fargo based its action on numerous misstatements of fact, having the effect of understating income and overstating debt in the critical debt-to-income ratio. More importantly, when Wells Fargo last month finally disclosed how it computed its final DTI ratio, it became apparent that the monthly amount it allowed for the 30-year higher-rate mortgage was more than sufficient to pay the 15-year lower-rate mortgage. Yet, Wells Fargo approved only the 30-year loan and denied the 15-year loan. While it is unclear whether Wells Fargo made these many mistakes out of intent or incompetence, it should quickly correct its now obvious error out of simple  fairness and to avoid acting in bad faith.

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 2017-12-09 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: MN

Complaint narrative:
Equifax has about 15 collection accounts on my report from a range collection bureau that do not belong to me and were previously removed because of fraud.I had gotten them removed a few years ago and they recently were put back on my report. Its rediculous that I prove all these accounts are n't mine work my XXXX off to get them removed and just like that they get put back on we need to start holding these companies responsible for their XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PR

Complaint narrative:
The debt was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was paid for on XXXX XXXX, XXXX for the amount of {$170.00}. I was informed that my balance is in XXXX. 

Recently I have been receiving letters from Transworld Systems Inc. indicating that I owe {$190.00}. I contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX financial department to inform them, and they assured me that they had contacted the company XXXX times to inform them that my balance is XXXX and that I should n't worry. 

I have received a total of three letters so far still trying to collect the amount mentioned above. I would really like them to stop. 

Since it 's the weekend, I ca n't contact them by phone. 

pd. Money Order # : XXXX XXXX {$170.00} / Provide me an email where I could send a fax or email to be able to send proof of all receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had written out for {$600.00} ( Check # XXXX ) on the evening of XXXX/XXXX/XXXX. Any checks I write never usually post until either the next day two days later. For some reason, the aforementioned check deposited that evening. 
I specifically wrote the check then because I knew I was going to be paid XXXX XXXX/XXXX/XXXX, approximately 4-6 hours prior to the check being deposited in the amount of {$3000.00} ( PPD ID : XXXX ). Within this time frame, chase debited my account for 2 charges resulting in a {$70.00} overdraft payment. 
Due to the unethical nature of these overdraft fees, I request a full refund of the {$70.00} to my account. Please do not respond with " you have exceeded your overdraft fee refunds for the year '' as this is clearly an extenuating circumstance due to a computing anomaly on the banks part. 
I do n't believe that it is my problem that Chase found a way to take my money and delay putting other monies in. I also believe that it is unconscionable to assume that a consumer would benefit from a 4-6 hour loan at an interest rate of a few hundred percent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in early XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding TRANSUNION : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from TransUnion of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from TransUnion via CFPB : We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information will be verified or updated accordingly and the results will be forwarded to you for review. In order to preserve your rights under the FCRA, we have opened an investigation into the disputed item and contacted the source to advise them of your dispute. They will verify the accuracy of the item and inform TransUnion of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX for frequently asked questions about your credit report.

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 2017-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I try contacting company did n't comply with remove inquiry from my

Company response to consumer: Closed with explanation