vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I sent this complaint through occ.gov which they said they would forward to CFPB but I have n't heard anything as of XXXX XXXX, XXXX : Complaint filed with occ.gov XXXX XXXX, XXXX On Saturday, XXXX XXXX, XXXX I went into my accounts oline to balance my XXXX checkbook. I noticed an amount paid on one of my USAA credit Card from my USAA Checking Account. I had set up an automatic payment to be made of {$500.00} on the due date. However, they instead debited my checking account for {$310.00}, paid to the credit card. 

I sent an email through their website on Saturday at XXXX CDT. I received a response on XXXX XXXX, XXXX at XXXX CDT from XXXX XXXX , Member Relations Advisor. It was a generic response that said they would look into the issue : " Your email regarding your account payment was received by CEO Member Relations. We regret any frustration this situation caused you, and we assure you that making processes easy for members is a top priority for USAA. Our business specialist will review your account and will follow up with you directly within two business days. We appreciate the opportunity to address your concerns. '' 48 hours later, on XXXX XXXX, XXXX at XXXX I asked for a response. I included a letter to the CEO XXXX XXXX, relating some of the many problems I have been having with this bank, including this latest problem. Most of the problems are related to the online payment system not working or being inflexible on internal USAA payments to the point that I believe they are forcing members to only pay the minimum amount on their USAA credit cards. Other bank cards can be paid reasonable flexibly : i.e. before the due date, multiple times per month and amounts more than the minimums. 

I received a response on XXXX XXXX, XXXX at XXXX CDT. Also very generic : " Your letter addressed to XXXX XXXX was received by CEO Member Relations. Our business specialists will review the issues you raised, and we will follow up to ensure you receive a response. Please know we remain committed to providing excellent member service. '' I sent a response today, Friday, XXXX XXXX, XXXX at XXXX telling them that because I had not received a solution or answer from them in the time they stated, I would file a complaint with occ.gov. 

XXXX/XXXX/XXXX : Attached is a screenshot of one of many error messages I get everytime I try to do my banking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XXXX XXXX, 2017, US Bank closed my bank account with no notice to me whatsoever, via email, phone or mail. I only discovered it when I went in to check balance. When I called, I was treated extremely rudely, then told that I needed to go see the bank manager in person. Unfortunately, my nearest US bank is hundreds of miles away. They told me they would not help me speak to anyone further.

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 2017-09-21 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: UT

Complaint narrative:
My Student Loan servicer is FedLoan Servicing. Recently, I submitted standing instructions to ensure that any additional payments I made on my loan were sent to the loan with the highest outstanding balance. What I was not aware of was that while I am in deferment, this would automatically send all my payments to one loan and would void my instructions for the distribution of funds to be allocated over all of my loans.
When I caught this discrepancy, I contacted the servicer to change the payments and then to have the instructions suspended while I am in deferment ( I do not want the interest of my loans to increase if I can pay it off ). However, it is taking an extremely long time to have this issue fixed. Why should it take 10 days to have the funds reallocated when it only takes one business day to take the funds form my checking account? 

Furthermore, at the instructions of the representative I spoke with, I submitted a secure email, through the proper channels, on ( XXXX/XXXX/XXXX ) to have my standing instructions suspended. I have attached an email confirmation that these instructions were received. I chatted with a representative today ( XXXX/XXXX/XXXX ) and have attached the transcript of the chat. They have no record of my request. While this is happening, the interest on my accounts grows. 

I do not want to pay extra because the servicer is being negligent. Now that they can not find my instructions, I had to resubmit them today and start the entire ten ( 10 ) business day waiting period over. This is an unfair, deceptive, abusive act and practice and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that Experian provide he source of who is reporting this information on my credit reports.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : NAVY FEDERAL CR UNION XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and alsoXX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I 'm extremely exhausted with Ocwen loan servicing because they have made it impossible for me to get anything. I have been trying since XXXX to get a resolution for my mortgage which is very high at a 7.6 pct interest rate. they kept denying my application even when they told me everything was OK. on  XXXX XXXX 2017 at XXXX. I received a phone call from an ocwen employees name XXXX XXXX she a relationship manager at ocwen told me that the loan was denied so I ask why. her response to me they could n't come up with a modification because the loan is being paid monthly, and if I need a modification. I should leave the loan unpaid for 90 days, and they would give a modification, and her second option was for me to go a refinance with another bank because ocwen do n't want me as a a customer when in fact I had this house for over 10 years all I have been paying is interest rate that is very high. Ocwen have violated federal and state laws yet again by providing me with misleading information so I can lose my home, and become homeless because I 'm retired and my saving have getting depleted and ocwen have all my document. they made impossible i do n't know how long I can keep this home because they keep violating mortgage servicing rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Good Afternoon, I fell behind on my mortgage payments last year XXXX XXXX. I did not waste any time so, I gathered all the documents necessary and submitted a Uniform Borrowers Assistance Form with my mortgage servicer, Freedom Mortgage in XXXX of XXXX. I was denied in XXXX of XXXX due to exceeding the Debt To Income Ratio by 54 %. when I was supposed to have reached a 40 %. 
I obtained a part time job to be able to afford any modification payment Freedom could offer and I re-applied in XXXX XXXX. On XXXX XXXX, XXXX, I called Freedom Mortgage and spoke with XXXX ID # : XXXX, and she informed me that I was denied on XXXX XXXX, XXXX, again, due to exceeding the Debt to Income Ratio again. I asked her to give me a break down of the income and expenses used. I also asked her how much did I exceed this time, she responded " 40.72 % ''. 
It does not make sense on how I was denied by exceeding by less than 1 %. I asked her to please email me the denial letter because I needed that in writing. I received the denial letter the following day. I typed an appeal letter gathered pictures of my home and mailed out through certified mail. On XXXX XXXX, XXXX I received a letter stating that they denied my appeal. 
I do not even think they read my appeal or bothered to investigate! I will attach all the proof with this letter.

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 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Fay servicing is the new servicer. These actions have been ongoing for 10 years, since inception in XXXX. I have pled with my governmental agencies to investigate this since. 
My mother, and my mothers late husband were victims of predatory loan practices in Massachusetts. No one has done much of anything. I know have irrefutable proof of my allegations of fraud, forgery, federal and state mortgage laws, wire fraud, the list is endless. Fay servicing is now sending me 90 day right to cure, and a letter stating on whos behalf they are trying to close, in where they have no standing. ( the note was sold once again, on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX XXXX XXXX. Fay did not list them as the lender they represent. This sham needs to come to an end, as I have invested countless hours investigating this, and it is riddled with corruption, crime, and immorality of preying on the weak and disabled of this country, and I am imploring to you, help me stop this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I became behind in my payments and sent them ALL of the information for a modification and they kept kicking it back saying they either did n't receive the information or it was n't complete. The last time I submitted the information they stated they received all of the information but did n't receive it in time. I then received a foreclosure notice but filed bankruptcy to keep my house. I was supposed to make my first payment XXXX XXXX but they have deactivated my account AND I am unable to make a payment. Additionally they are n't taking my calls or my attorney 's. I believe this was deliberate ploy to take my home because they are getting paid for loan especially if it is an FHA mortgage. They are doing things that should n't be done and it needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: MS

Complaint narrative:
I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that XXXX provide he source of who is reporting this information on my credit reports.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good Morning, In regards to the Equifax promised TrustedID Premier credit monitoring & free credit report freezing. 

Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. 

Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 

Please help consumers protect their credit and make Equifax follow through on their promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX, I sent for my free annual credit reports. I received XXXX and XXXX, but nothing from Equifax. 

XXXX XXXX, XXXX I was denied for a loan based on information in an Equifax report. I finally spoke to someone on XXXX/XXXX/XXXX, explained what happened and again requested a copy of my Equifax Credit Report to correct any wrong information they have. I was given confirmation number : XXXX Still, I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too

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 2017-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I sent a {$3500.00} wire transfer from my retirement account and it was sent to Wells Fargo, to an account that was closed years ago. The wire was rejected but Wells Fargo decided to keep {$50.00} for the incomplete wire. 

Banks charge fees for insufficient ACH transactions, bounced checks and similar things, but they are charging THEIR client in every case. Many banks also charge THEIR clients for incoming wires. These fees are part of the bank 's " Terms and Conditions '' to which their customers agree when signing up. 

I am perplexed that Wells Fargo can reduce an incoming wire by a non-customer, and I do n't see how that 's legal as there is no wire or account agreement that says they can. The entire amount of {$3500.00} should have been returned. 

I can not think of any situation where anyone or any company, absent a court judgment, is permitted to take money from someone else without their agreement and Wells Fargo should return my {$50.00}.

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 2017-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later. 

OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient. 

The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
When I received a nearly 10k stipend for serving two years in XXXX, I thought my lump sum payment would have paid my XXXX loan in half. That was in XX/XX/XXXX. Would you believe I still have XXXX to pay on that loan in XX/XX/XXXX? 

How could this be? I was told by navient that after paying the lump sum I did n't have to pay for a few years. I assumed this meant that they were using my government stipend to pay both principal and interest. But not so. In essence they put my loan on a deferment like status ... What they call 'advancing the payment date 's so that during the time I was told I did n't have to pay, interest was accruing. 

A few years later when I started paying again, I owed a lot of interest. What I did n't realize was that all my payments were going to that accrued interest and for years my pricipal was getting hit with more interest as I slowly paid down the accrued interest only. Again, I did n't realize all this until it was too late. 

At the end of the day, through confusing practices, they swindled a young college graduate out of her hard earned government stipend. 

In the end, I am fiancially stable ... But it does n't make it any better. And for thousands of others like me that are still struggling we must take action against navient a d other loan servicing companies like it.

Company response to consumer: Closed with explanation