vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 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: CA

Complaint narrative:
I have private students loans with Navient that are now in default. Over the last few years I have experienced financial hardship. In addition to this, I have tried numerous times to arrange and lower my payments with this company. Instead, I have received threats over the phone, with representatives saying that I will be taken to court, have my wages garnished, and that I am irresponsible. Whenever I call to try to come up with an arrangement these are the responses that I receive. I have grown frustrated and tired of these threats and the inability to work out a plan. I have told numerous representatives what I can pay at this time, but they are still not willing to work with me. I have received numerous calls from other states on a daily basis from New Jersey, XXXX DC, Indiana, Florida, and Texas. It has been a nightmare dealing with this company, and have told family and friends to stay away from this company. I would like to have some type of resolution to this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.

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 2017-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. In the process of reviewing my credit I found the collection charge from SCA for {$180.00}. This debt originates from XXXX XXXX, nearly 5 years ago. I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. Not only is this a complete ethical violation it violates the FCRA. With this being said they are still continuing to report the alleged debt to the credit bureaus without validation. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of deletion needs to be met. Your lack of due diligence is impacting my progression and has ultimately become a hindrance. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of DELETION needs to be met on my credit report. Your lack of due diligence is impacting my progression and has ultimately become a hindrance.

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 2017-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I have an account with Coinbase that I opened through my XXXX XXXX using the Coinbase app. I found out that XXXX and Coinbase are linked within the same company and started my application for opening an account on XXXX as well. When I was at the stage of verifying my I.D . on XXXX, upon completion, I instantly received an email from Coinbase stating " Your USD wallet on Coinbase has been deactivated due to eligibility restrictions. '' I had and currently still have {$730.00} USD in the deleted USD wallet in Coinbase. I was able to locate the Deleted wallet and saw there was a withdraw button that should allow me to withdraw {$730.00} from the deleted USD wallet in Coinbase back into my wired bank account with XXXX XXXX XXXX. Upon trying to withdraw my {$730.00}, I received an email stating " Hi XXXX XXXX, A withdrawal of {$730.00} ( + {$0.00} banking fee ) has been initiated. {$730.00} will arrive in your bank account by XX/XX/2017. Although a bank transfer fee may apply, Coinbase does not charge a fee for this transaction. '' Followed by receiving another email simultaneously stating " Hi XXXX XXXX, On XX/XX/2017, you ordered {$0.00} USD via your payment method for {$730.00} USD. Unfortunately this transaction has been canceled. Although we try to avoid canceling transactions, in rare circumstances certain transactions can not be processed due to requirements imposed by our banking partners or other technical errors. If your payment method was charged, you will receive a full refund as quickly as possible. Coinbase will not charge any fees for this transaction. If you have any questions, please contact our customer support team. '' As of right now, I am not able to retrieve my {$730.00} cents out of the deleted USD wallet on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have XXXX public records listed on me credit report with Equifax. I have requested that information be verified that it belongs to me. After multiple reply from Equifax indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. Equifax has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of equifax has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: NC

Complaint narrative:
I am on an Income-Driven Repayment Program and enrolled in the Public-Service Loan Forgiveness Program. My recertification forms were received by FedLoan on XXXX XXXX XXXX. It is now XXXX XXXX. I have had mulitiple phone calls with FedLoan about the status of this request. I have been told, since the beginning of XXXX, that I was waiting for a statement that would charge me {$5.00} for each loan and would let my loan move into the next phase of review and a new payment would be determined. Most recently, I was told this request to send me the {$5.00} statement was made on XXXX XXXX. Starting in XXXX my IBR payments expired and I made payments on some of my loans that was more than I could afford. Now my loans are in forbearance for XXXX and XXXX. I have received from FedLoan notification of my forbearance being approved and an interest notice on XXXX, a bill for XXXX on XXXX XXXX. Still no {$5.00} statement to get my IBR payment finalized. This is costing me eligible months of payments for the PSLF program. Now this morning, XXXX XXXX, I have received an email that my application for IDR has expired. I need help. My interest capitalized on loans I ca n't afford and now months are being tacked onto my PSLF program when I should be making eligible payments now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
OnXX/XX/XXXX I called Santander Consumer about my XXXX payment. I stated that I was not going to be able to pay the full amount and the customer service rep informed me that she could offer me an " extension '' on my loan that would put XXXX and XXXX 's payment on the back of my loan. I agreed and the customer service rep informed me it would take up to 10 days for Santander to process the extension on my loan. I called back and asked about the paperwork they were supposed to send me she stated that I would get an email and when I received the email to electronically sign the docs and my next payment would be on XX/XX/XXXX. I did n't receive the email until XX/XX/XXXX. I did everything they asked of me and thought everything was fine. I have my account to be set up with recurring debits so Santander actually still got a payment for XXXX in the amount of {$300.00}. Then in early XXXX I get a notification that I am 30 days late in XXXX. How can I be late in XXXX if my XXXX and XXXX payment was " extended '' and put on the back of my loan?? I called Santander and they stated that the paperwork was not finished processing until XX/XX/XXXXso that 's why its a late on my credit. Santander waited until my account was 30 days late then they processed the paperwork. That is fraud because they purposely waited until my account was past due then processed the paperwork. I called Santander to resolve this problem but they will not correct it. How can Santander say I was late for for a month that they put on the back of my loan. I have never been late or missed a payment since XXXX of XX/XX/XXXXwhen I got this loan and I have my account set up for recurring payments so this wont happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I fax a complete modification packet to Nationstar on XX/XX/XXXX. I called Nationstar yesterday for an update to make sure the under writer was not requesting for any additional documents. However ; Agent XXXX told me that my packet was denied. I told him that can not be possible because my documents were just faxed XX/XX/XXXX.
He said that my file was denied on XX/XX/XXXX I told him than my documents were not even review because it was to quick to have a decision. I explain to him my new source of income which is rental. My loan should be eligible for the Flex Modification since my investor XXXX XXXX participates. I need an explanation why my loan was not approve for the Flex Modification. based on the guidelines I should be provided an affordable payment. I honestly feel that Nationstar is just prolonging my case making me fall further behind. My intentions are to keep my home, I am an elderly man and is hard for me to move around. Please help me and provide me the assistance I am requesting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC
State: OH

Complaint narrative:
I just received a phone call from P & B capital group llc. I went to pick up the phone and they hung up. I called back and was placed with a man whom I did not get his name. He asked who I was and I asked what he was calling in regards to. He mentioned me having taken our a loan with rise. I asked him to send me verification in the mail about the debt and he said he has already sent something. I told him I have n't received anything and before I could finish my sentence he said I was just playing games and using stall tactics and he will send me to litigation so they can sue then hung up on me. The phone number I reached him on was 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 2017-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have 3 public records listed on me credit report with XXXX. I have requested that information be verified that it belongs to me. After multiple reply from XXXX indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. XXXX has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of XXXX has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.

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 2017-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent, by XXXX, two money orders ( {$980.00} and {$1000.00} ) to Capital One Bank to deposit into my account. These money orders were received and depsoited into my account onXX/XX/XXXX. OnXX/XX/XXXX, the two money order deposits were reversed by Capital One. I called them and was told by a manager by the name of XXXX that the Federal Reserve had informed them that the money orders had already been deposited on XX/XX/XXXX at another bank. They were unable to unable to provide me with any further information as they said that the Federal Reserve did not provide any. I am now out {$1900.00} and Capital One is unable or unwilling to help even though I sent them the actual, physical money orders ( see attached documents ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Based upon information ( both verbal and written ) that I have received, I was told loans that originated with XXXX sold loans to Discover, due to issues with handling the loans, and poor financial management. I contacted Discover student loans and requested that they send me the following documents : - Agreement with the prior holder of the alleged debt that grants Discover the authority to collect - Agreement that bears the signature of the debtor, showing payment to the creditor - Name and address of creditor - Name of the debtor -All account numbers -Amount of debt -Date the debt became payable - Verification of assignment that a debt was sold to Discover -Complete account history of the debt I requested this information as a Request of Validation, not as verification. I have made this request verbally on the phone on XX/XX/2017 and i also sent a letter to Discover and the office of XXXX XXXX with Discover. I have yet to receive any documents and/or correspondence. When speaking to the manager, on XX/XX/2017, she indicated that I have been paying all the loans, and that is proof enough, which is incorrect. I am requesting the information because I believe that there serious issues surrounding Private Student loans and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
CONSUMER PROTECTION COMPLAINT : XXXX XXXX XXXX I am writing this complaint because I do not know what else to do.can someone please help! Recent events in my life such as the XXXX of my mother ( buried her XXXX XXXX ) ; the accidental XXXX of my brother ( buried him XXXX XXXX ) and now the threat of the loss of our home and/or being homeless, the mortgage company sent letters to inform me we owe {$16000.00} escrow payment and a balloon payment of {$240000.00}, which leaves me completely in shock. I share this home with my daughter, who pays 92 % of the mortgage, and I am a senior over XXXX trying to survive on my social security benefits. A year ago there was not even a hint that we would be faced this type demand. I called a few weeks ago requesting an explanation why this is happening but I have not received an explanation. Please, please, please can someone help us because I do not believe I can survive another major loss? Our mortgage payments are presently current ; however, we do not have the type of money this mortgage company is asking us to pay. More than a year ago the mortgage denied our request for a loan modification. It is extremely disturbing to try to understand why the mortgage company is being so aggressive now. We requested this mortgage modification because of the pending increases from 2 % to 4.6 % in our mortgage. My fixed income from Social Security is {$940.00} per month ; my primary caregiver is my daughter and her only source of income is her work salary of {$2900.00} net monthly income. Since that time our mortgage payments increased from {$1800.00} to {$2000.00} in XXXX increasing now to over {$2900.00}. Now with our mortgage payments increasing by {$1000.00} a month ; we will not be able to pay for our other house expenses ; utilities, gas, auto insurance, food, clothing, prescriptions, medical bills, student loan and other miscellaneous necessities. Because of the mortgage increase, there has been an extreme hardship and threatens the possible loss of our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My XXXX XXXX AAdvantage Citibank card has been CLOSED and apparently " charged off ''. Without any official notification! Now, with XXXX this is crippling my Credit Score. In fact, I have had multiple correspondences with a variety of Citibank representatives from XXXX, XXXX, XXXX XXXX, Missouri, USA, and other locations. On an emails dated XX/XX/XXXX and XX/XX/XXXX, I received warnings that I needed to contact Citibank to resolve the status of my credit card. I realized I was late on some payments. At that time, I contacted Citibank and set up payment to bring my account current which I did. On XX/XX/XXXX, I scheduled a payment for {$1900.00}. During these interactions, I was NEVER notified of account closure?! The representatives said thank you for being a valued customer and we are happy to assist in getting account current. On XX/XX/XXXX after trying to use the card and was DECLINED, I contacted Citibank and spoke with a representative in XXXX. The representative said there was a Fraud/Travel Alert on my account and if I could let Citibank know where I would be traveling to in the near future, I could have full usage of my card. I told her that I am a XXXX XXXX XXXX and travel often throughout country and world. Citibank forwarded me an email dated XX/XX/XXXX showing my next few travel destinations that we had discussed. Not once did she tell me my AA Citibank Credit Card account was closed?! Why would she even set up a Fraud/Travel Alert if my account is supposedly already closed??? The Citibank Supervisor in XXXX XXXX was astonished and apologetic that I was being treated so poorly and told me she was filing a complaint/grievance on my behalf. After more frustrating interactions and getting nowhere, on XX/XX/XXXX I  asked for and received an Account Status email that I have been a " valued customer '' and that my account has been in Good Standing for the past 12 months! However, I still can not use my card. And, now Citibank representatives continue to say my Account is closed, there is nothing they can do and they have declined to reopen it. I 'll have to reapply for a new card. Which will no doubt get declined. To reiterate, this is detrimental to my Credit Score and XXXX is now affecting my other credit cards and debit card usages. For example, it 's impossible to rent a car let alone order a pizza. Citibank has been misleading and telling me a myriad of different things. I think their practices have been very unprofessional and deceptive. As a matter of fact, I have never been told the official date my account was CLOSED? Ridiculous.

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 2017-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
SCA Collection is reporting 4 collection accounts on my credit report that should not be there. The account numbers are XXXX, XXXX, XXXX, and XXXX. All four of these accounts are subject of a medical malpractice lawsuit, and should not be reporting on my credit file. I have asked SCA Collections, and XXXX XXXX, to remove these accounts from report. So far, they have refused to take any action.

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