vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
V A Loan 3/1 ARM  2.375 % - with adjustment period ending  XXXX   XXXX ,  XXXX . Loan holder -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Utah,  XXXX  Loan Number  XXXX .   Loan Servicer  XXXX    XXXX   to date ; Loan Care   XXXX   XXXX    XXXX ,  XXXX   XXXX , VA  XXXX .   Loan #  XXXX .    Loan Servicer   XXXX   XXXX  to  XXXX   XXXX .  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NC  XXXX  Loan #  XXXX .   I never received required legal disclosure per  12 CFR 1026.20 that the  interest rate was going to change until  XXXX   XXXX . I was required to get notice at lea st 210 but  not later than 240 days prior to the adjustment period ending. This was also stated in loan documentation. I called  XXXX   XXXX  and they told me it was the loan servicer 's responsibility. I calle d Loan Care  and they told me told me to check  XXXX   XXXX . I reviewed of all documentation ever received from  XXXX   XXXX  and there was no disclosure. I sent certified letters to  XXXX   XXXX   XXXX  and  Loan Care e arly  XXXX  stating the rate needs to stay the same 2.375 % for at least another year.   I received a letter from  Loan Care  dated  XXXX   XXXX , received  XXXX   XXXX , stating the interest rate was going to change  XXXX   XXXX  to 3.375 %. I need help getting both companies to keep the interest rate at 2.375 % for another year and to ensure they send me the required disclosures on time in the future.

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 2017-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I TOOK OUT A LOAN WITH SPOT LOAN IN  XXXX  OF  XXXX  AND THEY WAS DEBIT MY BANK ACCOUT  XXXX  EVERY  TWO  WEEKS WHICH WAS EVERY PAY DAY AND HAD A INTREST RATE OF 625 % WHICH I DID N'T NO I NEVER SPOKE TO NO ONE THEY NEVER CALL I EMAIL BUT NO RESPOND I GOT A FRAUD ALERT FROM THE BANK AND WAS ASK TO CLOSE MY ACCOUNT BECAUSE OF DIFFERENT L OAN IDS FROM THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have Navient loans that started out at {$12000.00} and are now close to {$18000.00}. Navient had set me up for forbearances but when those were no longer available they put me on a reasonable income-based payback plan. That worked until the payments doubled which put me back into the same situation where I started. This has gone on since Navient took over these loans. By the way, these loans are from   XXXX   when I went to the   XXXX   XXXX   XXXX   XXXX . They have probably been paid off many times over!  <P/> I have been trying to work with them but the situation has become unbearable. They call me constantly and harass me and now they are calling family members. This last time that they contacted me was the final straw. They assume things about me that are n't factual. I 've never been demeaned and harassed like this! They give no viable solutions and show total disrespect.  <P/> I 've been working as a  XXXX  for the past 9 years. I 'm divorced, have a  XXXX  y ear old d aughter and have downsized to a small co-op so that I can pay my bills. I was diagnosed with  XXXX   XXXX    XXXX     XXXX   XXXX  which has again changed my luck. Those bills have become my newest battle with finances. This final call on Friday showed me that I would never get help from Navient. They assumed I owned a {$30000.00} car and kept throwing that in my face ( even though I tried to tell them that I have a  XXXX   XXXX  that was the only thing I could afford with the lean that was on my other vehicle ). They told me I should charge my daughter rent and that I ate way too much! Right after this confrontation they started calling family members. How are they getting these phone numbers? It 's humiliating.  <P/> With my  XXXX  diagnosis and treatment plan, it is important that I cut out as much stress as possible. My first call this morning woke me up and of course it was Navient. I ca n't do more than I already am. I 've taken on a couple cohorts this summer to supplement my salary but that will only be a temporary band-aid. I 'm at a total loss.  <P/> Please help me with this situation. I appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
In reference to complaint submitted #  XXXX  the SLS company response does not address the issues of previous complaints. We do not understand this response.   The company refers  to two earl ier written communications but did not provide the copies of them.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Back in XXXX i sent notice to all the credit companies about fraud on my credit. They all fixed it but Experian. They left a few things on there. I want them removed asap please

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 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On  XXXX / XXXX /   2017  I received m y Citi car ds statement which included a late payment penalty.   I am very careful about paying my cards and pay them early and in full every month. I remembered paying this account and I have had this account for many years.  I called Citi cards  and told them they have a problem as I paid that account. They gave me a hard time, so I cancelled the card. I then paid the account in full and called to redeem my cash rewards. On  XXXX / XXXX / 2017  I received a statement fro m Citi  cards for a recurring charge made on  XXXX / XXXX / 2017 . I called  Citi  and told them I had cancelled the card on  XXXX / XXXX / 2017  and they issued a conditional credit. On  XXXX / XXXX / 2017  I received an email fro m Citi sta ting that I had a new message in the message center. I checked the message center and found no new message. I continued to check the message center for several days and found no new messages. I then received a letter fro m Citi sta ting that they had reversed the credit. I checked the message center again and now found the message had been posted. That tells me that they ha ve an IT problem. I called Citi and asked why I was responsible for a charge made on a card I had cancelled. They told me if I did not pay, it would ruin my credit. On top of all that, I had returned the product. USPS  tracking  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 monetary relief
Consumer complaint received 2017-06-19 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: IL

Complaint narrative:
I have a  DLPLUS  loan being serviced by FEDLoan Servicing. Account  XXXX .  <P/> I had been making payments every month until  XX/XX/XXXX .  XX/XX/XXXX should have been should have been my last payment based on billing statements received at that time. Since then I have received no billing statements until following :  XX/XX/XXXX  - Paid In Full Notification  XX/XX/XXXX  - Disclosure of Loan Repayment Terms  XX/XX/XXXX  - Month ly Bill (  statement I owed {$20000.00} plus {$1.00} interest On  XX/XX/XXXX , my son made a payment of {$200.00} from his checking account to pay his student loan ( different account ). In  XXXX  his account stated he now owed two payments. Invested cause and reason was  XXXX  used the billing payee with my account  XXXX  instead of his account  XXXX .  <P/> When we called about the  XXXX  payment we learned that it was applied to wrong account. This first call in  XXXX  we were told. It would be refunded to my son 's bank account because that was the source of the payment.  <P/> The second call was made because it had not yet been returned to his checking account and we were told that refund will take  60-90  days to process. We said why ca n't the money simply be reversed and reapplied to the correct account and we were told it can not happen that way.  <P/> We never yet saw {$200.00} come into his checking account.   I received on  XX/XX/XXXX  {$190.00} refund. I called again and asked why  1 )  I got this check and  2 )  why was n't it for the {$200.00}.  <P/> Response from  FedLoan Sevicing : Th at my account had a balance of less than {$25.00} owed and it is their practice to keep the amount owed if issue a refund. That explained why {$5.00} was reduced. I accepted that fact and gave my son the {$190.00} for his student loan payment. It seemed very irregular and opposite of what I was told, but for {$5.00} why argue more about it.  <P/> I asked why was I never sent billing statement for the {$5.00} balanced owed? I was told because my remaining balance was less than {$25.00} they do not issue monthly billing statements and they basically had written the loan off ( evident as closed in my credit report I had received before any of this started ) and I got my paid in full statement.  <P/> Very surprised to see that ten days later I get a notice saying I owed {$200.00} principal and interested.  <P/> Explanation received : FedLoan Servicing actually did reverse and reapply the loan payment on  XX/XX/XXXX . FedLoan Servicing issued me a refund for {$190.00}  (  less the {$5.00} remaining in balance on XX/XX/XXXX . And FedLoan Servicing then realized they made two different transaction trying to correct this issue which moved my originally paid in full account to be owing {$200.00} P & I.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my report. Equifax,  XXXX  did not do a proper investigation or provide me with any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I have sent a payment in as I always do. I have been using the   XXXX   XXXX   for years. I do not know why my bill was sent to collections ( that is what I asked them ) When I am sending payments. It went to collections without notice to me. Again I just made a recent payment on this account I have NEVER not paid a bill at   XXXX   XXXX   XXXX   as I said I use them often. When I called Transworld they acted like they did n't even know what they were doing. The guy kept asking me for  a 5 year old address??????? After 20 min. on the phone he then told me he could n't take any payments I do n't know if this company is legit??? I did call   XXXX   XXXX   as well and they told me they do use Transworld but the call to the m was very fishy?? Just a confusing experience. My bal. is  XXXX . I usually get a settlement offer caus e I p ay cash. I made a payment of  XXXX  when I received the first bill. I usually get another bill and I always summit another payment. This time it went Straight to collections after the first payment?????? The first bill was on  XXXX  /  XXXX  /  2017 . The guy I spoke with  at Transworld was very weird. Thank yo u for your service!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my report.  XXXX , Transunion did not do a proper investigation or provide me with any validation

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 2017-06-19 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: LEXISNEXIS
State: SC

Complaint narrative:
This is  the 2nd co mplaint I have filed  on Lexis Nexus in a yea r. They are reporting a tax lien of {$5300.00} that was filed on  XXXX / XXXX / 16 . This is showing up on   XXXX   and I disputed it twice and they sent a letter saying the information was gathered fr om Lexis Nexus. Fi rst of all the address was  XXXX   XXXX   XXXX  which I have not lived at in over 2 years. Second of all, it belongs to another family member not me! I locked my file last year wi th Lexus Nexus but obviously that is not true either. I am sick of this company reporting wrong info. It has never reported on  XXXX  or  XXXX . I am trying to refinance a loan and can not because of this wrong info they are reporting. I also have a letter from the court house that shows there is no lien with my social security number reported by them  at the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: Diversified Consultants, Inc.
State: AL

Complaint narrative:
Diversified Consultants  of  XXXX , MI notified me of a debt but no additional information provided prior to placing this on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
XXXX  and  XXXX   XXXX  sold  XXXX   XXXX   XXXX ,  XXXX  NJ in  XXXX ,  XXXX . As part of the sale, they needed to pay off a reverse mortgage held by Champion Mortgage  Co. Champion p rovided a payoff statement which charged interest on the loan through  XXXX   XXXX ,  XXXX . They refused to provide a per diem interest amount. On  XXXX   XXXX ,  XXXX , a wire in the amount of {$220000.00} was sent. On  XXXX   XXXX ,  XXXX , Champion sent a second payoff amount, demanding an additional {$900.00} in interest, even though the loan would not be open until the end of the month. On  XXXX   XXXX , a wire for the {$900.00} was sent. We were assured that any overage would be returned to us.  Champion  failed to provide an accounting of the loan, and did not record a cancellation. On  XXXX   XXXX ,  XXXX , a letter was sent to champion requesting the cancellation and placing them on notice of a {$50.00} per day fine assessed if they failed to file the cancellation. No response was received. On  XXXX   XXXX ,  XXXX , an email was sent  to Champion. Although the email was acknowledged, no substantive response was received. As of this date, Champion still ha s not provided a copy of a recorded cancellation of mortgage, nor has it returned the excess interest due. Another demand letter was sent to  Champion  on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
i was advised by   XXXX   XXXX   that they (   XXXX   ) directed  SIMONS Agency t o remove all collection attempts by  SIMONS AGENCY   XXXX   XXXX  advised me of this on  XXXX .   
Simons agency has failed to complete removal of these false collection bills on my credit bureaus.
SIMONS fails to cooperate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: GA

Complaint narrative:
I have many unauthorized inquiries on my equitably credit report which I submitted a dispute. Equifax did not investigate they only notified me about a week later that these items where authorize in which they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied to several XXXX postings at XXXX and one of them was from XXXX XXXX XXXX. The first email I received was XXXX XXXX 2017 from an email XXXX saying that it was tough to decide on the select group chosen for an interview because they received so many good resumes and that I was one of those selected for an interview. <P/>I was asked to add XXXX XXXX ( XXXX ) on the XXXX XXXX platform to undergo the interview process. According to them, she was an HR recruiter for XXXX. This XXXX person gave me all the duties and responsibilities of the position and asked me if I could handle the job duties if I were being trained towards it, I responded by saying yes, then she proceeded with interview questions. Once we finished, she said to check back by XXXX the following day via the XXXX XXXX platform for the decision. The next day they said I was chosen. <P/>I received another email from XXXX congratulating me for becoming part of their company and they attached an offer letter. <P/>Then they emailed me a check {$3000.00}. on XX/XX/2017 with instructions on how to deposit it via mobile through my bank Bank of America, and that I was expected to cash {$2800.00} of it and deposit to a XXXX XXXX account the following day to a person named XXXX XXXX XXXX who is the vendor in charge of sending me the training materials for pre-training. I believed it and so I did, I also thought that since Bank of America made the funds available the next day, then it was a legitimate check. On XX/XX/2017 they emailed me another check for {$4000.00}. and from there I had withdraw and deposit {$3900.00}. for more materials. <P/>OnXX/XX/XXXX. I went to what I thought was my first day of my internship at XXXX and the security guard could not find my name in their system. I was told that I was actually scammed and that they were very sorry this happened to me, and that someone also got scammed that same morning. <P/>I went straight to the police station and made a police report, I also contacted Bank of America but they are not cooperating with me regarding my situation. Instead they withdrew my checking and savings accounts to pay themselves back from the fraudulent checks. Now I have negative status on my account of - {$6200.00}. Additionally, Bank of America flagged my account to be closed XX/XX/XXXX which is not the standard time to close an account.

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 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is the second complaint I am issuing related to my mortgage holder. As mentioned in my previous complaint, we entered into a Chapter XXXX Bankruptcy in an effort to keep our home and get back on track. Our Chapter XXXX was discharged this past XX/XX/XXXX. We maintained our commitment and paid our monthly mortgage consistently for 5 years as part of our agreement. In XX/XX/XXXX my husband reached out to Wells Fargo to discuss the potential of moving our monthly payment to the XX/XX/XXXX of the month as he is XXXX XXXX and receives his XXXX check the 3rd week of every month. He called, went to a local branch with all telling him that they could n't speak with him but would document. Since that time, we again, consistently made our payment on or about the third week of every month. <P/>Today we are trying to refinance our home in an effort to decrease the interest rate. In that process, we have consistently received reports that Wells is reporting us as late payment with a total of XXXX in late fees. <P/>XX/XX/XXXX, when inquiring for a reconciliation of our payment history, I was directed to submit in writing a request for a complete reconciliation of the payment history and inquiries related to our loan. I received official notice that it would take approximately 10 days. I received a letter from Wells that the date for the review completion needed to be extended to XX/XX/XXXX. Only after I submitted an official complaint through the CFPB did I receive a call advising me they received my complaint, however, the account audit / reconciliation was still not complete. On XX/XX/XXXX, the Wells representative that was handling the complaint, notified me that she still did n't have resolution. On Friday XX/XX/XXXX, I contacted this same Wells representative. She advised that she still did n't have however, I offered her a resolution. I asked if Wells could move our payment to the XXXX of the month and reflect that my previous payment history could reflect consistent on time payment for the last year. She did advise that she would research that. <P/>Today I was alerted that our refinancing attempt was declined due to Wells reporting late payments for the last year. I was also informed that our ability to refinance with any financial institution ( including Wells ) would be impossible until this was resolved. I find this unacceptable and complete unfair practice. Remember I was in a 5-year plan for the Chapter XXXX. NOT once did Wells reach out to rectify or alert us that we would suffer this devastating diagnosis. Also, I might add, the Chapter XXXX was discharged OFFICIALLY in XX/XX/XXXX on the record. <P/>I would strongly urge anyone entertaining doing business with Wells Fargo mortgage, NOT.

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