vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
I have lodged disputes with DYCK O'Neal with the belief it has reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XXXX XXXX have also asked for assistance from each of the credit bureaus to resolve this issue beginning in XX/XX/XXXX. I followed up with additional disputes XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
My husband and I have had continued problems with paying our house payments with PennyMac. There are always issues with hidden fees and our payment rising and not being explained. Weve attempted to make payments ahead and call to relay that wed be making advance house payments. We recently received a letter stating we were late for the month of XX/XX/XXXX. We printed our payment history and found that PennyMac had taken it upon theirselves to take payments and put them towards principle reduction. Weve also noticed that there are reoccurring charges for property inspection fees. We believe these to be fraudulent charges. Our home insurance is supposed to be taken monthly and appears as a lump sum on our bill. The fact that they chose to apply our house payments towards the principle reduction they were also charging us late fees. We werent late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I put in a request for review of a workout plan with Amerihome mortgage company on the XXXX of XX/XX/2019. I included all documents that the packet said they needed. I called them several times on the XXXX of XXXX and the XXXX of XXXX and they said there may be other documents they may need and gave me examples of what may be needed. they also said that I have until Monday the XXXX to get all documents in because the wont except anything after 14 days from the sell date of my home, and they would be contacting me to ask for more documents if they need them. I sent the extra things that they might have needed to review my request and I got no response back saying that the received them. I contacted them today XXXX XX/XX/2019 and they told me that there wasn't sufficient time to review my paperwork and that they would not be reviewing a workout plan anymore. I am working with a HUD agent at the moment as well. I feel that they do not want to work with me anymore and that they want to sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX I purchased a used 2018 XXXX XXXX via trade in through XXXX XXXX. I explained that I would be finiacing the entire amount for the vehicle and would not be putting anything down. This was confirmed by 3 other salesmen that worked there. I was also told and shown numbers that the price of my trade in would be XXXX. After being rushed through the signing process and being told it wasnt the regular finiacing advisor that typical handles their sales, I was allowed to drive off the lot. Now I am finding out, instead of the car loan being financed for the entire amount they put in the contract that I would pay XXXX $ down and the trade-in was for only XXXX . 
The car dealership is not working with me to fix the situation. I was told by them, I must either pay the XXXX $ out of pocket or redo my loan which will drive my interest rate up. 

Two days after purchasing, I spoke with the salesmen that sold me the car and stated my issue with the vehicle and asked could I return it because I was unhappy. I was told by him and the General manager I was unable to return the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
I attended XXXX XXXX in XXXX, Ohio from XX/XX/XXXX to XX/XX/XXXX and the school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for just that and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at that time and any loans that were to be a private loan. I have {$10000.00} still in 2 Private loans currently. I am current and I have been paying these loans but I am having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquire I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my Borrower Defense claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I received a notice on my credit report for debt owed from Phoenix Financial Services. I called the company who is handling the debt. They started to read off dates and amounts, telling me they were " medical bills ''. I asked for written information on the debt owed, dates and who they were owed to. The guy informed me all he had to do was legally tell me how much was owed, he didn't have to tell me who it was owed to. He told me to call my insurance company to ask.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2018 I went to my Citizen bank branch in XXXX Michigan, tried to get back my money I sent to XXXX XXXX of {$300.00} because she was no longer had XXXX XXXX. I made a claim and also they recommended to call XXXX XXXX. I called the phone number of XXXX XXXX found on web but the person I spoke too instead of helping to get my money back they took following transaction of {$500.00}, {$750.00}, {$500.00}, {$500.00}, {$2000.00}, {$500.00} and {$500.00} at the same time to the person named XXXX through my debit card which was on XXXX XXXX. Immediately I called my bank same day to let them know that was fraud do not release those transactions and person I spoke too assured that marked red flag but I still need to call next business day to make sure matter resolved. But still bank released those transactions on XX/XX/2018 and bank asked me to make another claim. After two weeks I got those transactions back to my account. on XXXXI received letter from bank stated that they going to debited back those transactions because XXXX XXXX said that was valid transactions which was never valid transactions. After few days bank debited all transaction with fees. I will send all documents. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.

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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
On XX/XX/19 Radius Global contacted my mobile phone claiming XXXX XXXX had sent my unpaid balance to them, the collection agency, requesting I pay them {$140.00} dollars in a rude manor. They have called me many times day and night. I have contacted XXXX XXXX and have verified that nothing had been sent to any collection agency, there was only a slight residual balance of {$16.00} I paid them directly, so I feel it is my responsibility to inform others of this fraudulent organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: KEYCORP
State: IN

Complaint narrative:
I have had consistent issues with KeyBank 's web site as well as making payments and completely LOST IT on them tonight. 

They are always placing blame on the bank, or sorry we are having issues with our site and then charging late fees! 

Like I have time to sit and monitor when my payment goes through, when it doesnt, and when their site decides to work. 

I want ALL late payments reversed. 

Please see documentation showing payments being made then for some unknown reason which Key can not figure out, they disappear into never never land and no one can tell me why the payment has not cleared my bank. 

Of course its the banks fault. 

I have double checked the account, its accurate. 

Please see the uploads and assist. I think they are trying to obtain a boat that is almost paid off and sell it. 

I actually re added the account and it says it already exists, just to verify the account number and routing is accurate.

ITS THEM! Please assist. This is unbelievable. I love the customer service rep tonight that said, " I understand your frustrated .... '' with a TUDE. I mean REALLY?? Its not a problem that you, Key Bank, are having major issues accepting payment from a legit bank account and I am the problem?? That I say Its YOU? That is a problem?? 

They need to get on the ball and explain WHY my payments are not being cleared. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.

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 2019-03-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
on XX/XX/XXXX, i contacted XXXX XXXX. regarding there ability to not update XXXX  about the debt that is not belonging to me. I spoke to XXXX a Representative, then spoke to Supervisor by XXXX, in which she in formed me they had removed this debt and sent info to the credit reporting agencies. On XX/XX/XXXX i called back and spoke to a rep XXXX, and let her know i never received the letter in the mail, the letter they were supposed to send to me regarding the removal, XXXX on my credit reports. on XX/XX/XXXX i faxed over a copy of a police report # XXXX, regarding my identity theft, along with a letter requesting removal and a copy of my security card to XXXX at XXXX from XXXX XXXX at XXXX from fax # XXXX store tel. # XXXX Ser # XXXX. this is the conformation that the faxed had been received. This Creditor along with as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. has not been properly removed or updated wtih XXXX or expirain but had been updated and removed as of XX/XX/XXXX with XXXX credit bureau. on XX/XX/XXXX i spoke to Deputy XXXX XXXX ( XXXX ) XXXX ext XXXX with the XXXX Ohio Sheriff Department whom was present when a call was placed on speaker with XXXX, in which the representative, XXXX stated they will remove from report and send letter to support actions.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
MY complaint is with CFPB and the complaint I had filed against Wells Fargo! I was notified today that a response letter was in the complaint file and the complaint was closed before I even saw the letter!

The person LIED about set fees when my son tried to cash the check that was on a Wells Fargo Checking Account! We were CHARGED {$20.00} from the teller who waited on us!

WhaXXXX XXXX XXXX is NOT cheated out the Presidency AGAIN! Because ALL of you needs a XXXX overhaul! Lazy good for nothings!

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Over a month and a half ago, an XXXX dollar collections account came off of my credit report. It was on there on estimate 5-7 years. It came off, I went to get a loan at the bank and when my credit was pulled I had zero accounts in collection. Now, as of today it reappeared in my credit report and screwed my score up bad. I wasn't notified of a reinsertion. It's been years. They cant re age my account. It was removed. I disputed it with Experian but it needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 I wrote a check to a person that holds an account with Wells Fargo for the amount of {$4000.00} which, for whatever reason, he decided he wanted a different amount when he went to cash that check. The teller at the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas gave the check back to the account holder who subsequently returned it to me for me to destroy, which I did. Later that day I found out that Wells Fargo erroneously cashed the check and deposited the money into the account holder 's account. Wells Fargo immediately reversed the transaction and took the money out of the account holder 's account. On XX/XX/2019 I visited the branch with the account holder to ascertain how Wells Fargo would return the {$4000.00} to me. XXXX XXXX instructed both myself and the account holder that within 24 hours I should see the money in my XXXX XXXX checking account. That was on XX/XX/2019 and I still have not seen that money. After numerous complaints to the CFPB I was instructed to provide Wells Fargo with instructions on how to get the money into my account, which I have. I was also instructed to file a claim with my bank to have the transaction reversed. The responses that Wells Fargo have provided to my numerous complaints have instructed me to file a claim with my bank to reverse the check. My bank has filed the claim with Wells Fargo but has not yet heard back from Wells Fargo. XXXX XXXX at the branch has instructed the account holder that the money is no longer with Wells Fargo, which is a lie as the money is not in his account and is not with XXXX XXXX or in my account. Wells Fargo is holding onto the money and refusing to return it to its rightful owner.

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 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: KY

Complaint narrative:
I recieved a reminder for a payment and informed them that it was an incorrect date. I also asked for an extension on the payment due to not being able to pay on the date. I have worked with this company before and an extension was not an issue. This person stating that it wouldn't be able to be extended even after I explained it would cause a charge. They refused to assist and stated that they would still process the payment. They then stated after it didnt go through they would contact me. On the reminder email it says call if there is a concern paying and they still refused to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: WI

Complaint narrative:
On XX/XX/XXXX I had sent an email to Navient via Online Services for a request to review my loans. I have consistently paid these loans on time. Due to the amount of original disbursement repaid ( 220 %, 189 % and 147 % respectively ) I was requesting these loans be reviewed by a decision-maker within Navient XXXX XXXX XXXX. Instead, I always get tied up in their switchboard run-around of operators and automatic-messages and can not have an independent banker or loan officer review my case. 

After sending a detailed letter on XX/XX/XXXX, I received a response on XX/XX/XXXX : " Thank you for contacting us with your inquiry. 
Private credit loans do not qualify for loan forgiveness programs. '' I feel that this message is cold and unforgiving and my case has not been taken into consideration. There are many money lending services, including credit card companies, where if the original amount ( plus a little extra ) is paid off the company will forgive the debt if it's been repaid by a lot, or settle on a much smaller 1-time fee payoff to close the account. 

I have much more documentation and am happy to provide it as needed. Included in the attached files is a document detailing the full scope of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in a second XXXX letter on XX/XX/2019 asking all XXXX credit bureaus to verify collections that are reporting on my account that do not belong to me! XXXX  bureaus have removed the accounts and transunion and XXXX have not gotten back to me it has been over 30 days.

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 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
My daughter and I were joint account holders on a Discover credit card. She did become delinquent, and I paid the account off and closed it in XX/XX/2018. They are still reporting to credit agencies that we are carrying a balance and it is delinquent, and state the balance increases each month when it was paid in full over six months ago. I did write them a letter requesting they correct it, well over 30 days ago, but Ive had zero response from them.

Company response to consumer: Closed with explanation