vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion REFER TO XXXX CFPB My personal information is what I sent you 2 goverment IDS they are legal documents you are required by law to keep accurate information my name is just whats on those IDs when you state there is a 60 investigation in my personal information Im it there is no one that can state my name there are a lot of names that are like mine please correct my name as stated on the documents and refer back to me the change, there is no required 60 days for personal information even se4ction 611 states accuaracy

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 2018-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I make an extra payment to my Wells Fargo Auto Loan, they are not applying it towards the principal but instead they are taking out additional interest and applying it towards future payments. They advised me that I will need to call them every time I want an extra payment applied towards the principal. On XX/XX/18, I made an additional payment of {$200.00} towards the principal. They only applied {$170.00} towards principal and {$26.00} toward interest. On XX/XX/XXXX, I added {$200.00} extra to my payment and on this one they just extended the next payment date to XX/XX/18 instead of keeping the same payment dates. I have never seen this type of practice done with a lender and it is deceptive to do this.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
We filed chapter XXXX bankruptcy and the bankruptcy was closed in XX/XX/2018. Citi Bank had an account on our bankruptcy for Home Depot. Citi Bank had a judgement against us, which was on the bankruptcy filing. We have been trying for approx. 3 weeks to get Citi Bank to send a release on the judgement, as it is holding up our closing on a home. Citi Bank recovery dept.is telling us that they don't need to do anything, since there was no lien. Our mortgage company won't close without the release.

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 2018-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: CA

Complaint narrative:
I'm very dismayed by my recent interactions with BB & T. After many years as a devoted customer, my beloved mother passed away. I've been attempting to close my mother 's BB & T checking account. I live in California. I've been told to fly 3,000 miles to come in person to a Florida branch to close it. I'm the only beneficiary. I have a trust account at a different bank and I have all forms required ( will, trust paperwork, notarize death certificate ). BB & T will not allow me to close my mother 's accounts. In the age of internet banking, this is not a feasible option. My mother 's other banks all provided online forms or requested notarized copies of materials. How can there not be other options? I've spoken to people in the corporate offices several times and the only other recommendation they offered was consider flying to Texas and going into a branch there as it is a bit closer. This is something that has happened to many others I've learned as I researched the BB & T complaints which are extensive on the consumer protection websites.

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 2018-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN Mortgage Servicing is taking my home through the foreclosure process, even though they have never taken a look at helping me with my mortgage. They have been combative through the court system and I have reached the end of my resources and am in the final stages of foreclosure. I have used several attorneys to try to help me get things back on track from suing them for giving me a fraudulent loan to attempting a loan modification. However, I am so frustrated that they have not helped me with my FHA loan, even though I have tried for the last nine years to get my loan back on track. 

I had a significant health issue which has left me XXXX since XXXX and have been on a limited income since that time. Due to a malpractice settlement, I was given {$250000.00} and used {$100000.00} of it to purchase my home in XXXX. The loan agent told me that I would be able to refinance my loan to a lower payment and receive all of my down payment back. I contacted him after the year was up and he began the refinance process. He told me that I would get everything that we discussed the year prior. After the refinance was, I was absolutely shocked when I received a check for only {$7000.00} and my payment tripled. I was conned in the worst way possible and basically, XXXX XXXX was stolen from me and I was put into a loan that I could not afford. I burned through all of my remaining money, which I had to live off of for the rest of my life, in order to make the mortgage payment. 

As I watched my money disappear, I decided to hire an attorney to help me get out of this loan and make things right. I went through several attorneys who said that there is nothing they could do and that OCWEN wouldnt even work with me to modify my loan. This has been an absolute nightmare and OCWEN isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
Response to company Company 's Response According to the records of the original creditor, XXXX  XXXX XXXX, the consumer/patient had a {$1500.00} deductible to meet under his insurance with XXXX, that was NOT met at the time the charges were incurred. Also, the verbiage used by the consumer in his complaint indicates he believes we have purchased the debt in question. We are NOT a debt buyer and do not own the debt in question. We are a collection agency acting on behalf of XXXX XXXX XXXX only. 

The deductible was meet three time over. XXXX was preformed along with multiplied office visits, XXXX, XXXX and XXXX. The XXXX alone totaled over {$20000.00}. In your first response you stated you were never paid. Information was provided from the insurance company showing that a payment was made for the date in question. now your stating WHAT. Please provide the original billing information along with information that you are stating you received from the insurance company. I believe that that there some kind of mix up with billing. Proof was providing showing that the payment was received after you originally stated that no payment was received. I am maintaining careful records of my communication with you for the purpose of filing a complaint. I will be contacting the Consumer Financial Protection Bureau and the Attorney General Office to seek further assistance and filing a complainant against your company.

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 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I got a loan for {$1000.00} ON XX/XX/XXXX ... received a payment schedule showing when I had to make my payments for fixed amount of {$210.00} every two weeks .... that would be a fraction for principal and the rest for interest .... the more payments I complete the less interest I was suppose to paid ... So because of that I made a payment to the principal amount on XX/XX/XXXX for {$400.00}, and then moved my 1st payment to today 's date ( received and email with confirmation of the payment date changes ) so I made my payment today for {$230.00} which included {$210.00} plus late fee, so when I called Big Picture Loans to find out how much would be my pay off amount I was told that I own {$610.00} because my payment for today was all for interest ... but the payment schedule I received does not show that any payment will go full to interest ... I want to pay the money I own but I can't afford making payments of {$200.00} and over just for interest. 
This is the schedule I received but the account I does not show any update after {$400.00} payment made to principal Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$57.00} {$210.00} {$150.00} {$940.00} Regular Current XXXX XX/XX/XXXX {$940.00} {$46.00} {$210.00} {$160.00} {$890.00} Short 03 XX/XX/XXXX {$890.00} {$82.00} {$210.00} {$120.00} {$810.00} None 04 XX/XX/XXXX {$810.00} {$94.00} {$210.00} {$110.00} {$710.00} None 05 XX/XX/XXXX {$710.00} {$100.00} {$210.00} {$100.00} {$610.00} None 06 XX/XX/XXXX {$610.00} {$120.00} {$210.00} {$87.00} {$480.00} None 07 XX/XX/XXXX {$480.00} {$140.00} {$210.00} {$70.00} {$340.00} None 08 XX/XX/XXXX {$340.00} {$160.00} {$210.00} {$49.00} {$180.00} None 09 XX/XX/XXXX {$180.00} {$180.00} {$210.00} {$26.00} {$0.00} None I also attached an email I received where they stated that the agreement for new payment date WILL NOT change the original one, so why did they change the amount that was suppose to go to my principal? 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I received a XXXX  Grant that was serviced through XXXX. Terms are -- 4 out of first 8 years of XXXX  service must be spent XXXX  in a XXXX XXXX XXXX, in a XXXX XXXX. 

Each year you must certify that you have fulfilled your yearly XXXX  duty, or certify that you did not complete it -- but intend to complete the 4 year term before your 8 years are up. If this is not done annually, the grant turns into an unsubsidized loan. 

In my fourth and FINAL year needed, XXXX converted my grant to a loan citing that I did not certify my service for the year. 

-- I completed the electronic paperwork through my account on XXXX that certified the XXXX  I XXXX  at, my contact information, and my field of XXXX. 
-- I printed the PDF ( and saved a copy to my PC ) that can ONLY be printed after filing that my yearly service was completed. 
-- I had my principal sign the paperwork, and mailed it to the PO BOX I have mailed ALL of my previous 3 certifications to without issue. 

XXXX said they did not receive the paper, so they converted my grant to a loan because I did complete the annual service agreement. 

When discussing this with employees # XXXX and # XXXX I urged them to look at my account history, where they would clearly be able to see that I filled out the e-paper work ( which wouldn't show proof that they received it, but at the very least proof of INTENT on my part to continue my service ). 

However, according to these employees, when the grant converted to a loan all of my XXXX  Grant account was erased. According to them, they can not look up any previous data or find any prior information about my grant  because that is the procedure when the grant converts to a loan. This can be confirmed on my part as well, because in my XXXX account there is no ability for me to look at my archive. 

If we could see my archive, we could see proof that I did indeed fill out the paper work, which at the very least should prove my intent to fulfill this agreement, even though they conveniently did not receive my paperwork in the last year of my service. 

My principal would prove that she signed the paperwork, and if we could look at the date stamp on my erased account we would see that it was filled out on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CHOICE RECOVERY INC # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL. I request that XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Portfolio Recovery, as shown on two reporting agencies XXXX and XXXX  and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 I sent a letter requesting evidence bearing my signature, I received no response from them and they did not mark it as disputed with the credit reporting agencies. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. Portfolio Recovery is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' Portfolio Recovery has most recently reported is { {$4300.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Portfolio Recovery may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Portfolio Recovery also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Portfolio Recovery also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX  is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I made a payment then realized I used my old checking account called in told them it was wrong account made new payment with right account so here I am thinking everything is ok and then they send me a letter saying they closed account due to non payment insufficient funds and held my money for Almost 30 days before refunding it back to checking account so they actually had the payment and acted like they didnt receive it and also closed for recent delinquency

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 2018-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was encouraged by Sallie Mae to defer payments after school after I graduated in 2005. I started making payments approximately a year later as I was instructed to do so. In that time my loan went from approximately {$80000.00} to {$100000.00}. I am never notified of the interest rate changes before they change. I have paid almost {$75000.00} to the Sallie Mae and now Navient ( Sallie Mae sold my loan to Navient ) and my balance is over {$75000.00}. It just does not add up. I am going to refinance my loan with XXXX to a fixed rate b/c payoff date with this loan seems to change. I am so distraught over this and I have never missed a payment. When I call Navient I do not get clear answers and I end up waiting on hold for 20-30 minutes sometimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Background : I am an XXXX XXXX XXXX XXXX, I was a former XXXX Customer from XXXX to XXXX when I received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Due to the length of the assignment ( 36 months ), I contacted XXXX  in XX/XX/XXXX and provided them with a copy of my XXXX XXXX assigning me overseas and asked for them to close my account without penalty according to the law which they agreed to do so. Fast forward to summer XXXX after finally returning from my overseas assignment ( XX/XX/XXXX ),  while reviewing my credit report with XXXX, I found out that sprint had referred my account to a collection agency for a debt of {$720.00} said to have been occurred in XXXX. The collection Agency then referred my account to the credit bureau for collection. I immediately lunch a dispute with XXXX  File # XXXX and provided all available documentation. I won the dispute and had the collection removed from my credit report. Issue : Today XX/XX/XXXX, while checking my annual free credit reports with XXXX, I saw another collection this time from a different collection agency DIVERSIFIED CONSULTANT but it is the same XXXX account XXXX ( $ {$720.00} ) posted last month. I recall a representative from this company harassing me over the phone trying to have me pay this debt after giving them a background to the situation they threatened to report me to the credit bureau and sure enough, they did. I have initiated a similar Dispute with XXXX  ( pending adjudication ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 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: TX

Complaint narrative:
Today XX/XX/2018 I spoke with Experian credit bureau regarding a 10 point drop on XX/XX/2018, in my credit score. They said there is nothing I can do to dispute scores. 

On XXXX.18 my score was XXXX after a 5 pt increase. Then XXXX.18 it went to XXXX which is the normal 5 pt increase, HOWEVER on my alert the system verbiage stated that my credit score went up 16 points/it DID NOT increase my score by 16 pts! It ONLY went up the usual 5 pts. Then, and Im sure this was in an effort to correct itself, on XXXX.18 the system lowered my score 10 pts AND IT ACTUALLY TOOK MY SCORE DOWN!!!!! 
The alert stated it was good news and that my credit rating would remain at fair. 
Today Experian staff has stated repeatedly that they can not do anything about my score even though my alerts clearly show that NOTHING adverse happened in that time period to cause the drop OTHER THAN THE ERROR ON THE PART OF THEIR SYSTEM TRYING TO FIX ITSELF UGH! 
They added 5pts. accurate Said they added 16pts. but didnt then deducted 10pts. 
TRULY BAD MATH WOW! 
Ive attached my alerts & history from Experian to show what happened/details.

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