vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 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: PA

Complaint narrative:
When I first consolidated the loan after I graduated from XXXX School, I was able to afford the payments because I was still living with my parents. In XXXX XXXX, I purchased a home and decided to contact Wells Fargo to go through the income status process. My mother and her boyfriend had cosigned for the loans, and because of that Wells Fargo determined that, with our combined income, the loan payments were manageable at their current amount. It was always my intention ( and still is XXXX to make these loan payments on my own, as this is my student debt and my responsibility. In XXXX XXXX, I found out that I was pregnant. I had an extremely difficult first trimester and missed a lot of work and almost XXXX months of pay. 
In XXXX XXXX I decided to change my employer to better suit my current needs and the future needs of my child, but was already behind in all of my debt by the time I secured a new job. 
I made another call to Wells Fargo and asked if there was any way to lower my monthly payments. I told the representative that I would feel comfortable with $ XXXX {$600.00} a month - he told me that, as long as my financial status and the financial status of my cosigners had n't changed, that my loan payments could not be reduced. 
My mother spoke with Wells Fargo in XXXX XXXX and asked if there was any help they could provide. She had already reached out to a consumer credit counseling service by that time and was waiting to hear back. Again, Wells Fargo stated that there was nothing they could do to help unless our financial status had changed. They suggested a XXXX organizational call, so she contacted an agency through XXXX. She was told by the agency that they were not able to help with student loan dept ( government or private ). She had also asked Wells Fargo if partial payments would help, but they said that they needed payments in full. 
I was making full on-time payments up to the point that I became sick with my XXXX. I want to continue to make payments but need them to be affordable. My child is due on XXXX XXXX, XXXX at which time I will have additional expenses and daycare costs. At what point will Wells Fargo work with me to make my payments affordable so that I can resume payments? I have worked very hard since I was XXXX XXXX XXXX to build an excellent XXXX XXXX and am devastated at what this is doing to my score.

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 2017-10-19 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: FL

Complaint narrative:
XXXX does not have my loan it was given to another company by XXXX XXXX it 's with XXXX XXXX XXXX. XXXX is still reporting against for XXXX they absolutely refuse to stop reporting to XXXX against me even though I have a settlement with XXXX XXXX XXXX for XXXX. All I want is the right company reporting against me and for the right amount!!!!!!!!!. What I want is very simple and very easy to do. XXXX even mentions in a document that my account was given away to the other XXXX have disputed this multiple times and gotten no where with anyone even though I have the proof of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: CORELOGIC INC
State: AR

Complaint narrative:
I have multiple credit inquiries on my credit report that I did not authorize and it looks as if the same company ran my credit and then would wait a few months and run it again, But since XXXX of XXXX I have had XXXX new inquiries that I did not authorize and I got an email about the XXXX breach and I followed the link to see if my info had been XXXX of the ones affected and it was. I have since put a fraud alert on my credit but when contacting the collection agencies which I have several times they are no help and they just tell me that I have to wait 2 years for them to fall off. I have XXXX from XXXX XXXX being XXXX XXXX XXXX for XXXX XXXX. XXXX from XXXX XXXX XXXX and XXXX for XXXX XXXX, and XXXX from 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 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association
State: VA

Complaint narrative:
New York Community Bank transferred my loan to another servicer XXXX XXXX Mortgage XXXX without providing me adequate notice ( less than 15 days XXXX. When I called XXXX to request more time to access and retrieve my records about Escrow Payments, Insurance Payments, and Annual Interest paid, they were unwilling to help me in any way. They reiterated that in 10 days I will lose all access to their system. The new servicer does not have any of my records yet, and could not promise that they would be in place by XXXX when my XXXX account will become inactive. I asked if they could mail me documentation or allow me to extract my records in PDF format, and XXXX said that they would do nothing for me, and were completely uninterested in speaking with me - eventually, the person on the other end of the phone just went silent and stopped speaking to me. I expressed my concern that this was creating a lot of stress and extra work for me in a very short window, and that I had concerns about my ability to pay my taxes without records to support or dispute a XXXX from the bank - again, complete silence on the other end of the phone. New York Community Bank should not be allowed to treat customer this way - presumably they are transferring my loan because of some benefit to the Bank, so I am suffering for their benefit. I was a model customer, I never made a payment late, or caused any additional costs or concerns for the bank during the life of the loan, and now they are violating the guidelines for a transfer and incurring me additional costs, so they can benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
Missouri State did not send notification the debt was going into collection. No information was sent to me by the debt collector that they were now collecting the debt. I only knew about them when I checked my XXXX XXXX score and it dropped over XXXX points0

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a checking account with a XXXX XXXX XXXX XXXX Bank : XXXX and I perform all my on-line bill pays EFTs through them. I have attempted to pay Capital One Bank XXXX XXXX XXXX months in a row. they send the payments back and charge me a late fee penalties in order to collect. I have never been late with this account ever. Bad banking practices. I now consider the account lost and stolen and they can go to court to collect the principle. I do n't understand turning down perfectly good money payments and do n't know what their problem is. My home bank at XXXX has the attempts to pay on record and can willingly submit them as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a loan that is currently being serviced by Mr. Cooper, formerly Nation Start Mortgage. I took out the loan in XXXX 2006 as a Purchase Money loan for 100 % financing. The 80 % first mortgage is with Mr. Cooper and the 20 second is with XXXX XXXX. I have not refinanced or done anything with the loan since except making all my payments on time without ever being late. 
The type of loan I have with Mr. Cooper is a 5-year ARM Interest Only loan. The Note to the mortgage states that the interest rate is fixed for five years, then adjust every six months thereafter based on the index described in the Note until year 10.

The Note also states that I will pay interest only for ten years regardless of the adjustments to the interest rate. However, the Note states that, after the Interest-Only Period, defined 120 payments ( 10 years ), the Note Holder will : " will pay principal and interest by making payments every month thereafter for the next 240 payments in the an amount sufficient to fully amortize the outstanding principal balance of the Note at the end of the Interest-Only Period over the remaining term of the Note in equal monthly payments. '' Unfortunately, Mr. Cooper refuses to adhere to the terms of the contract and continue to force rate adjustment to me. 

Their only argument is that I am in an adjustable rate loan and therefore the rate is going to adjust and that if there allow me to make " equal monthly payments '' as stated in the contract then I would have a fixed loan. They insist that what is written in the contract does not matter because I do not have a fixed rate loan. 

Please help me! I am going up against the full legal apparatus of Mr. Cooper who refuse to read and adhere to the terms of the contract that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: FL

Complaint narrative:
I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
When I did my credit report, there is an account that should NOT be on my credit report as a repossession. I bought a pick up for my grandson, I was the co-signer, when I went to get tags for the vehicle, The DMV had no record of me buying this truck, it was listed in the name of the orinigal owner, it was NEVER transferred to my name. I had the DMV do an investigation and I did not have to pay for the truck, XXXX XXXX XXXX, paid me all my money that I had paid on the trunk back to me. This should not be listed on my credit report at all. Can you help me with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
Got a call from XXXX XXXX XXXX XXXX in an attempt to settle a debt. The lady I spoke to was very polite. I explain my situation being unemployed for XXXX and a half years and due to my age I probably want have another income until social security XXXX. After explaining this was my attempt to settle a debt. I told them I could pay {$450.00} and representative told me she had to consult her XXXX. I told her that I did want to have her repeat the words no we can not accept your offer. I heard her ask him something and she asked me how much I could come up with. I told her I had approximate {$500.00} to my name and we were willing to give to them to resolve the issue. This is when she insisted we speak to her XXXX. I decline to speak to multiple representative all attempting to leverage 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 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
On XXXX/XXXX/XXXX Portfolio Recovery Associates, LLC took out {$160.00} out of my wages. I never received any notification that they were going to do this. I called the XXXX XXXX center with my employer to find out why there was a garnishment on my check and they told me that Portfolio Recovery Associates, LLC took this money because is was accrued interest and fees from an account they had previously collected on. Approximately a year ago Portfolio Recovery Associates, LLC garnished my wages and I fulfilled my obligation but now I get charged for interest and fees and without any prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Genesis Financial & Payment Systems Holdings, LLC
State: MO

Complaint narrative:
I WAS DESPERATE AND GOT A ONLINE LOAN ON XXXX/XXXX/XXXX FOR {$250.00}. I PAY {$46.00} EVERY XXXX WEEKS. I WENT TO PAY OFF THE LOAN TODAY AND THEY STATE I STILL OWE ALMOST {$300.00} TO PAYOFF TODAY. AND MORE IF I DONT?!?!?! THEY ARE CHARGING ME {$12.00} FEE PLUS ALMOST {$900.00} IN INTREST! I WAS NOT TOLD THAT BY THE LADY WHO WENT OVER THE LOAN WITH ME. I MADE SURE TO ASK THAT I COULD PAY EXTRA ON PRINCIPAL AND WAS INFORMED I WOULD BE PAYING TOWARDS PRINCIPAL EACH PAYMENT, HOWEVER THAT WAS A BOLD FACED LIED. I FEEL THERE SHOULD BE A LAW AGAINST THIS. XXXX ABOUT TO GO ON UNPAID MATERNITY LEAVE AND CAN NOT PAY THIS LOAN WITH THAT KIND OF FEES

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I do n't have the original receipt but in either mid-XX/XX/XXXX/early-XX/XX/XXXX, I purchased a couch from XXXX on XXXX XXXX in XXXX, IL. I originally used my bank 's debit card, in-store, transaction went through smoothly. Less than a week later, the couch went on sale ( {$20.00} reduction ) and was told they would adjust the purchase to the sale price since it was just a couple of days between the purchase and the sale. On XX/XX/XXXX, I received a fraud alert from my bank requesting that I authorize a department store charge in the amount of {$910.00}. It seemed odd because I had already paid in-store approximately a month prior. I checked my account online and saw that XXXX made the charge in store, reversed it and then charged my card again on XX/XX/XXXX. I authorized my bank to approve the charge. However on XX/XX/XXXX,  XXXX again charged {$910.00} triggering my bank to send another fraud alert. At this point, I was annoyed with XXXX dipping in and out of my account ( for the 3rd time ). I attempted to contact XXXX to send them a check for the payment to settle this entire thing. After much back and forth with that, I sent them a check which took them nearly 3 months to process. Fast forward toXX/XX/XXXX, XXXX is again calling and emailing me saying that I owe them {$910.00} for the couch I purchased 2 years ago. I have the cancelled check from my bank but my experience with XXXX unprofessionalism, and horrible accounting processing has completely put an end to me ever dealing with them again. By the way, I was told when I paid the full amount by check, they would process and adjust the price and refund me the difference to reflect the sales price ... never happened.

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 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on american express 's internal site/emails on the credit card company s site showing they dismissed the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: NV

Complaint narrative:
I have sent 4 request for transunion to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Transunion regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )

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 2017-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
On Thur XX/XX/XXXX I received a call/voice mail from XXXX XXXX XXXX XXXX. I returned the call Thur XX/XX/XXXX to learn there is a student loan that is past due in my name. 

The Navient rep attempted to collect on the debt and confirm my address as being in Texas, which is not correct. 

Upon stating and restating have never lived in Texas I was provided the toll free number to call the Fraud Department and the call was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On or about the first week of XXXX I apply for a refi-mortgage with Wells Fargo bank they asked for {$510.00} for the appraisal. On XXXX XXXX after watching the negative news about Wells Fargo I decided to cancel the loan process via text and email. The loan XXXX who was handling my case pleaded not to, but at the end I requested not to proceed with the loan and the appraisal. 
On XXXX XXXX I received a {$510.00} charge on my XXXX credit card, I reply to XXXX loan XXXX and she said they will credit my account, and that there was no appraisal done.

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 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had submitted my loan modification package to chase back in XXXX 2017. Until today I do n't have an answer of denial or approval. We had submitted all documentation required for the loan modification. and I just never get a chance to speak with someone. Always answering machines and rudeness customer service rep. Chase had changed our relationship manager over ten times so we ca n't never had a clear communication with anyone. Everytime a new relationship manager changes the story changes and we starting all over again. We are exhausted with the discrimination of background that we are receiving. I 'm XXXX and I feel discriminated and thus why Chase does what it does. 
My account with chase is clean, never defaulted and long time customer but chase seems that it 's ok for them to discriminate based on my background. I 'm reaching up to the authorities to investigate this discrimination issue and I will be contacting an attorney based on this issue. 
We are seeking a principal reduction so we can pay off the loan. I do n't have a job, I 'm sick with XXXX XXXX and I ca n't just take more headache from a company that does n't care about their loyal customers. So please help.

Company response to consumer: Closed with explanation