vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I have XXXX different federal loan service providers : XXXX and XXXX XXXX. I applied for a forbearance on my loans until XXXX. XXXX was relatively easy but XXXX has been really complicated. XXXX XXXX is the service provider for my perkins loans, I filled out the form needed to apply for forbearance as directed and mailed that out. When I spoke with a customer service representative from XXXX last week, they said that the form had been received and to keep a look out online for my account to be updated. This week, I end up getting a message from XXXX saying that I had been approved for a forbearance with the exact dates I had requested for my XXXX XXXX ( which is serviced through XXXX ). I dont know how but there was a mix up and when i tried to talk with XXXX customer service they said they had nothing. They didn't try to help me trouble shoot, they basically told me that the notes on the last call I made claimed that they told me no forms had been received XXXX which was not what happened XXXX. Ultimately, I dont know where the mix up happened but XXXX XXXX is making it really difficult to get things in order so that I won't have a late payment. I tried to do all this to avoid a late payment on my XXXX XXXX and they've just made things so much more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have made several attempts to speak with wells fargo on my student loans but they do nothing and refer me to other departments. They want to refinance all loans by reconsolidating but require 3 co-signers. I cant get a third cosigner. They will not work with me. They send you a resolution that is not achievable and you all accept it as good enough to close the complaint, yet nothing has changed and my variable interest rate loans continue to increase in payment size. I will not be able to pay the payments any longer because the payment amount just went up again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: PA

Complaint narrative:
My XXXX  XXXX recently updated their website and that appears to be when problems started. I have 2 different loan payments each month. One loan is at a lower rate and the other loan is at a higher 6.875 % rate. 

In XXXX of 2018, I submitted both my payments on the website as usual. On XX/XX/2018 I received an e-mail that my loan was past due. I called XXXX immediately. I waited on hold for 30 minutes before reaching the billing department. They first informed me that their system rejected my payment. Then they told me that it applied the loan payment incorrectly and paid it all to one loan instead of to each loan. The payments were applied to the lower interest loan, while the higher interest loan is left as past due and accruing interest. They said the issue would be resolved in 10-15 days. 

Today is XX/XX/XXXX and I just received an e-mail notification that my account is 22 days overdue. The issue is not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XXXX XXXX I sent a letter to WAYPOINT RESOURCE GROUP XXXX XXXX  XXXX XXXX TX XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... In response to my request they keep sending me bills which is not validtion of a debt. This is a third party collection agency I request they provide written documentation signed by me and them stating I the debt is mine and that I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that WAYPOINT  cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I have met the following requirements on my mortgage : " PMI will automatically terminate on the earlier of the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I have made all payments on time. I have included extra amounts with almost every payment. There is absolutely no reason why my PMI is not automatically canceled as it states it should be on the government website. 

XXXX XXXX now tells me that I need to pay for an overpriced appraisal. I have a small house, valued at {$70000.00}, but they demand that I pay {$630.00} ( the same amount someone with a {$900000.00} loan has to pay and 50 % higher than if I could use a local appraiser ) in order to remove PMI. 

So is the government website not accurate? The lady who answered when I called XXXX XXXX said it was only a suggestion ... So much for protecting the American Consumer. She also told me that I could find the " correct '' rules on the XXXX XXXX website. I asked specifically where, but she couldn't answer, and I couldn't find it on their website. 

I have done everything required of me and I should not have to pay a ransom ( a year 's worth of paying PMI ) in order to get the PMI canceled. 

I've met my obligations. I'm basically being penalized because I made extra payments and have been a good customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
In XX/XX/XXXX a company name Ad Astra Recovery Services reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX credit bureau. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Credit Service Inc.
State: OR

Complaint narrative:
Today I was notified of a writ of garnishment by XXXX XXXX XXXX of XXXX Or. XXXX. I had just paid off and completed a garnishment so was confused as to why this was being garnished again as I do know that at the time of the original garnishment all fees need to be applied. When I contacted them I asked them about the debt. They informed me that the garnishment was from the remaining balance of a prior garnishment in 2001. ( this would be 17 years of interest on a small amount ). When asked why when I called previously to discuss the other garnishment and asked if there was any outstanding amounts owed I was told no. During the conversation with the representative when asked about consumer rights was informed that its optional for them to follow those guides. The Fair debt collection act and oregon law states 7 yrs and 10 yrs respective to collect on a debt. This is not the first time this has occured as the previous garnishment was also from over ten years ago. Additionally, when I pushed for the information on this 2001 garnishment I was informed that it was to far back to look up what the debt was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX XXXX  mailed excess escrow funds of {$1500.00} to me in late XX/XX/2018 then increased my PITI payment from {$1200.00} to {$1200.00}. On XX/XX/XXXX I returned THEIR FORM, attached with a {$500.00} check which they cashed to cover the anticipated increase X 2.5. On XX/XX/XXXX I wrote XXXX XXXX  another letter stating XXXX XXXX  does not have my permission to debit more than the prior amt of {$1200.00} from my checking as they have more than enough money in escrow to cover taxes and insurance. They refuse and continue to debit {$1200.00} per month. They claim that I am trying to prepay my T & I and that they are trying to prevent any shortage. Every PITI payment they collect is PREPAYING the T & I and there is no shortage!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive been having issues with 5th 3rd ( the bank ) since its inception taking over my mortgage loan from the previous loan servicer. First, the bank failed to calculate my escrow account balance correctly by missing the begining balance, then the bank failed to calculate the interest payment required of escrow, now it simply refuses to properly apply payments ( as a result of its own internal failures applying payment ). The bank has falsely reported to credit unions that I have missed payments, when in fact its the banks own failure applying payments. In the end, now my credit report is filled with errors and the bank os requesting extra payments for previous payents ( made 1 or two dayd before due date were improperly applied ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
On XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that calvary cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
University of XXXX withdrew {$220.00} on XX/XX/2018 and another withdraw ( payment ) appeared on XX/XX/2018. - Unauthorized. When I realized, my acct was in negative standing. I called, spoke to a bank representative at US Bank, XXXX XXXX. I was informed to contact University of XXXX, have them reverse the fees and once refund is posted on my checking account, US Bank will credit back all NSF Fee charges accrued. I called University of XXXX and they apologized fees reversed. When first refund credit hit my account on XX/XX/2018, I called US Bank XXXX spoke to XXXX and she assisted with crediting back 8 NSF charges. She informed me to call back when the second refund posts so they can credit my account the remaining NSF Fees ( Meanwhile my checking account has been in a negative standing for nearly a month due to timing of refunds credited back ) The final refund was credited on XX/XX/2018. I called and the XXXX number told me there was nothing they could do. For me to call my branch. I called the downtown location '' : XXXX, was told the manager XXXX XXXX would contact me. I did not hear back in 2 days, so I called back, teller told me XXXX XXXX credited my account a one time courtesy fee of {$36.00}, if I had additional questions to call back. I did, and left a message. I am still owed a total of ( 9 ) {$36.00} Overdraft Fees, for a total of {$320.00}!! I am STILL in the negative and my paycheck has been swallowed to pay this bank back with my direct deposit!! I am still owed

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 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX.- no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX XXXX/ It is XXXX XXXX XXXX . 
At one point I was listed as living in Montana AND a XXXX XXXX XXXX in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX XXXX from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 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 2018-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: NM

Complaint narrative:
My student loans are ( unfortunately ) now administered by Nelnet.  They used to be with XXXX. 

I've tried calling, live chatting, and emailing Nelnet. Nelnet has a bad website, plus very slow customer service ( probably by design ), but they sure aren't slow about wanting to get your money. 

I have had a very good credit rating for a while. My student loan payment to Nelnet was due on XX/XX/XXXX. I paid Nelnet a few days later than the XXXX ; making my payment on XX/XX/XXXX by electronic means. 

In the meantime, I received a report that my credit rating had been dinged pretty hard. The report made it sound as though I had done something earth-shattering and catastrophic ( you'd think that I had defaulted on a loan or filed for bankruptcy ). 

I checked, and other than paying Nelnet a hand full of days after the XXXX, there is nothing that I can find that would explain the recent adverse credit report. 

If Nelnet pulled the trigger on reporting me for the relatively minor infraction described above, I would like to know, because it would certainly be a disproportionate overreaction on the part of Nelnet if that is what happened. 

However, Nelnet is very difficult to get a hold of - calling, emailing, etc. don't seem to result in any sort of timely or meaningful responses from Nelnet. 

I've made all of my payments for the month, and Nelnet is the only one that looks as though it could have triggered the over the top report to the credit agencies. 

I would like for Nelnet to actually have some customer service and to let me know whether it was Nelnet that did the report to the credit agencies. 

If it was Nelnet, I would like for Nelnet to withdraw the report, as it is over the top for making a payment a handful of days after XX/XX/XXXX. Given my history ( just ask XXXX ), I would hope that Nelnet could be reasonable and that it would choose good corporate citizenship over corporate degeneracy. 

Failing that, and in the event Nelnet did make the report to the credit rating agencies but will not try to make things right, please let everyone know about Nelnet. 

Also, can we institute a death penalty for bad companies? I think it would only be right since these companies claim to have the same constitutional rights as real people. Please let me know. 

Thank you for your time and attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation