vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
Tueday XX/XX/XXXX I tried logging onto my XXXX account to pay a bill ( which was sold to XXXX  ). For some reason, my password was not working. I thought it was me, so for the greater part of yesterday, I attempted to figure the password out. It told me that my SSN is not valid ( yes it is ). After seeing this, I looked back into my emails to see if XXXX sent me a change of provider email and no such email exists. I then went back onto the site, change my username and password to start fresh, and tried to look for contact information. There is no such place for me to get information about where this loan is. I logged onto my XXXX  account ... it is not listed under any loan servicer. After seeing this, I contacted XXXX XXXX University student aid and was not given an ounce of information. At first she acted like she had no idea what I was talking about. Then, once I explained that this issue is being written about all over the internet and every other University is assisting their students and these phone calls in helping them find the new servicer, she put me on hold. Once she came back on the phone she gave me an 800 number to call. I told her that XXXX   could not give me the information since it was a private student federal perkins loan and that it is her that is supposed to give me that information. Now, she started talking down to me and refused to give me anything but repeat the phone number and tell me to call them. So, knowing that it was not going to go anywhere, I called the 1 800 number ... .and of course, since it is a federal perkins loan they told me to contact student aid at my university. This is unacceptable. Every single person that has posted about this issue on the internet has had the same problem. XXXX  DID NOT issue a mass email/letter stating the switch in providers and my specific university has been of zero help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I am doing this complaint against Selene Finance do to unfair mortgage practices that we are dealing with this company. We were on a repayment plan from XX/XX/2018 until XX/XX/2018 in the amount of {$1000.00}. Our original payment plan is {$890.00} and we were only behind one month. We made every payment that was suppose to be made. We made the last one for XXXX on the XXXX of the month. I called in every month and spoke with a live agent to give them the payment to make sure it was paid. When I signed in to make my XXXX payment it showed me having a balance of over {$2000.00}. I then called and asked what this amount was about. I was told this amount was my escrow in which our property taxes and insurance went up. Something I had no knowledge of. You would think with me talking to a live agent every single month while on the repayment plan something would have been said, but it wasn't. Now I'm being told that I am 2 months behind on my mortgage but how is that possible when I was making my payment every month including the extra {$140.00} to get the one mortgage note caught up. Then because I had no knowledge of any escrow issues I was told the letter would be resent to me. The mortgage company then sent someone out to my house to take pictures of my home. They knocked on my door and asked me if I was renting or did I own the home. Why was that even done? I have made all my payments and didn't deserve to be embarrassed the way this company did especially when I am not behind on my payments. I then called Selene again and was told that I could do whatever I wanted that nothing would change and that I couldn't speak with a supervisor or even get a number for corporate. I hung up and called back to be on the phone for over 40 minutes to be told that we had a {$640.00} credit and if I paid {$1000.00} it would take care of my XXXX payment but my XXXX payment of {$1000.00} of the repayment that we were set up for had already been made on theXX/XX/XXXX and has cleared my account and is showing on the account info when I sign in to look at Selene. Now even with the repayment plan being taken care of now this company is saying the repayment plan doesn't matter and that I am 2 payments behind which is to me unfair practices by this mortgage company. Something has to be done about this. Its no way I can be on a repayment plan, make all my payments then they now come and still try to tell me that I am behind after making my mortgage payments every month due to an escrow that I had no knowledge of. I will not allow this company to take my home in this way knowing that they are not doing what is fair and right. They say that they hold themselves to the highest standards of customer service, working honestly and fairly with all customers and clients. Nothing about what this company is doing is honest and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Fax XXXX XXXX XXXX Account Manager XXXX XXXX. 
Case Number : XXXX Last Name : XXXX XXXX Phone Number : XXXX ext XXXX Regarding : He is calling for a personal business matter. 
w XXXX  XXXX XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from Wells Fargo account Account gets and outstanding balance of {$300.00}. 

Customer ask to reverse {$300.00} back to Wells Fargo but the money never made to his account. Customer called inquire about the reverse status of the account XXXX  XXXX XXXX representative instructed customer to contact his bank Wells Fargo. 

Wells Fargo re ensure money never made to the account and reverse the charge. 

XXXX  XXXX XXXX Open a investigation and issue a letter stating that : " They issue the refund and is wells Fargo responsibility to conduct the research. '' Because XXXX XXXX XXXXXXXX claims that customer was refunded and reverse charge occurred on XX/XX/XXXX. Costumer account reflects a negative balance of {$300.00}. 

XXXX XXXX XXXX Letter is attached.

Customer call wells Fargo Multiple times and customer is inform WellsFargo never received the money but they can't provide documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Please see attached. This account was included in bankruptcy. Shows as a closed account with a current past due amount of {$200.00}. Presents as " current negative payment activity '' as of XX/XX/2018 which is affecting my credit score.

I have disputed this online and have sent requests to the creditor. All of my accounts with this creditor were re-affirmed and are current or paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I have a mortgage that is serviced by Rushmore Loan Servicing LLC. My mortgage is owned by XXXX XXXX XXXX XXXX. 

I have fallen behind on my mortgage payments immediately and ask for a loan modification. I received a letter after requesting a loan modification from Rushmore Loan Servicing stating that my modification was denied. 

The reason giving didn't make sense. Three of their reasons for denial led me to believe that there wasn't any due diligence in their consideration.

1- Income not sufficient to sustain any payments under any available loan modification program. ( The was no program offered ) 2- Employment History is not sufficient in length to qualify. ( I've been employed for the same company for 11 years. ) 3-Your Credit History reveals that my current obligations are excessive in relation to income. ( The letter stated under this bullet point ; could not be verified ) 4- Good Faith Payment : Proof of the good faith payment was not received. ( When applying for my modification I was not required to make a payment however it seems as I'm being penalized for something was not require at the time of application.

However, I was informed that I have 14 days to accept Rushmore Load Servicing short sale options. 
This is evident that my modification was never processed and simply denied in the attempt that XXXX XXXX XXXX XXXX either foreclosed on my home or force me to short sale my home either of which will allow me to lose my home. 

Apparently, this is a common practice. Please see the link below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Naviant has a web portal for viewing loans. This information does not include what portion of the loan goes towards interest and principle. There is no statement provided that give this information either. The lack of transparency traps users into never knowing how much is actually going against the principle balance and is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an account with XX/XX/XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my Experian credit report. I confirmed with XX/XX/XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XX/XX/XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the CEO of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my Experian credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my Experian Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2018 I paid over 9,000 dollars in student loans and made the payment in full. I had spoke to a rep over the phone to make my payment with sallae mae. They advised that the loan is now paid in full, now today XX/XX/2018 I receive a bill stating I still ow {$140.00}. I do not believe i Should pay considering a rep had stated that it was now paid in full. I was on auto-pay before and I never missed a payment. I do not believe I should be help responsible considering I was told othewise. Spoke to the Sallae Mae Supervisor and she had stated that she will not waive anything. She spoke to me and interrupted me multiple times. I want this to be known. Sallie Mae is the worst loan company to deal with. Do not ever go to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
When the original debt which was XXXX XXXXXXXX XXXX XXXX charged off the account XXXX XXXX XXXX bought the debt for pennies on the dollar and tried to collect more than was owed on the original debt. Then the account was transferred to Pressler & Pressler and they sent letters to go to court and I was unaware since I had moved into a new place. They do not own the original debt nor have provided documentation to prove the original application was with Pressler & Pressler and or XXXX XXXX XXXX. Now they want to threaten with wage garnishments and embarrass me at my employment. They have violated FDCPA and FTC legislations and undermined my knowledge on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX  Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/2018, {$180000.00}, Seems the settlement company 's email system is hacked. A fraud person send the wire transfer information, trying to get the settlement fund other account. Below is the fraud bank information : WELLSFARGO BANK, N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ABA # XXXX XXXX XXXX CREDIT TO : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX 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 2018-08-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Sir or Madam, We went to florida on XX/XX/2018 for a visit to our family, we rented a car with XXXX car rental XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. we go to fl every year at least 4/5 times a year, and because of that we have our XXXX ( to pay for the tolls ) when we arrived to pick up the car, we told XXXX that we have our own XXXX, that we don't require their service, so they said ok, you have to sign and decline acknowledgement, so we did, because we had our own, so we register the car with our XXXX, and we paid all our tolls during our trip to Florida. We returned that car and all was good. when we got back home, we call XXXX because, the deposit of {$250.00} was not there, and it was already more than 4 weeks, so they said, sorry we will give you your money back in a few days. Sorry for the delay, but they only give us {$74.00} out of the {$250.00} because they said that they collected {$170.00} for tolls service?? I told them that's I mistake Sr. we agree that we were going to use our own XXXX and we declined yours, and we paid for all our tolls, i have the proof that we did, but they did not care they said too bad we charging you and we are not giving you the money back. So I put i dispute with citi card, and they are not able to fix this, i submitted all the proof, XXXX statement proving that I paid all the tolls, proof of declining the XXXX with them, and still they can give me my money back. they are a scam, ( XXXX ) everyone is complaining about them but nobody is doing anything about this. Please help. Thanks, XXXX 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 2018-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I transferred to XXXX university in XX/XX/XXXX. I was told by the admission adviser the first class was a free base on what they call XXXX XXXX XXXX XXXX. My financial aid kicked in during the subsequent term but XXXX found a way to charge me another {$2000.00} for during that term. I was also charged for the same complementary course they offered me as well. I reached out to them when I saw the charge in XXXX and was told it was going to be taken care of. Fast forward in XXXX, I received a bill for {$4100.00} from a company caller XXXX XXXX on behalf of XXXX. I emailed my student Admission ( XXXX XXXX ) and told him about the invoice. He forwarded the emailed to a Student account representative by the name of XXXX XXXX. XXXX to me I was not eligible for the complementary course but that was not communicated to me in XXXX till XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I had an account with XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my XXXX  credit report. I confirmed with XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XXXX XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the XXXX of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my XXXX credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my XXXX  Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
In XX/XX/2006 I opened a student loan with Sallie Mae for XXXX to aid in funding my post secondary education. Over the past 12 years that balance has more than doubled to XXXX. I feel this is absurd. Sallie Mae, now Naviet has forced me to contend with the forbearance option of this loan and continues to capitalize the interest. I have made several attempts to pay down this balance and have made more the XXXX in payments over the past several years. This is becoming an absolute burden and Navient appears to be unwilling to work with the client to help pay this balance down. I have provide a statements to aid in this dispute along with the most recent rate reduction document.

Company response to consumer: Closed with explanation