vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Constar Financial Services, LLC
State: CO

Complaint narrative:
I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now XXXX XXXX. I assumed that XXXX  XXXX knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX I was sent another message letting me know that my debt belonged to a company called " Constar '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a XXXX XXXX basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. Now I 'm writing to you.

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 2017-07-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The company Navient has been calling me telling me I owe them money, but my original loan was through XXXX XXXX in XXXX of 2006. I am not sure when Navient claimed to take over my loan, but I asked for paperwork from them showing that I owe this debt to them. They sent me a typed up paper, including a typed signature of my name, that had stated my original loan was XXXX. Navient is now telling me I owe XXXX, but can not tell me how the loan got that much. They have not provided me with paperwork confirming it. There are many problems with the one paper Navient sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I tried to have an account that XXXX XXXX XXXX even claims was fraudulently opened ( card was active and charged off in 3 months time w/ an unpaid balance ) REMOVED from my credit report as I am
listed as an authorized user and I NEVER enlisted myself to be one or was aware of this card in my name! XXXX swiftly removed this authorized user tradeline off of my credit report ( I have new credit I 'm
trying to build and this is SERIOUSLY dragging me down ) over 3 months ago. Contacted XXXX  XXXX but because it has been closed/charged off they wo n't remove me as an AU despite the fact they suspect fraud. Disputed it once manually with Equifax in XX/XX/XXXX and they wo n't remove it, so I submitted another dispute and I also came to the CFPB to get some potential help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: NC

Complaint narrative:
There are several accounts that are incorrect and not coherent with the other credit bureaus. Some accounts do n't even have my name spelled right and do n't belong to me.There are accounts that are out of date and also closed that should be automatically removed but have n't been. I have tried to submit a dispute but I have n't gotten any feedback. This is hurting my credit score more than the correct debts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
Called Ditech today spoke to XXXX who was extremely rude. I asked for XXXX XXXX said she was not in that he can handle my call proceeded to harass me about the {$4200.00} arrearage and asked when I can pay it refused to allow me to speak to XXXX. I asked for her voicemail and was told she did n't have one which I know for a fact is a lie. Called back spoke with XXXX, again asked for XXXX at extension XXXX and was told she was not available ask for her voicemail again and was told voicemail box do n't work during business hours. XXXX said she would email XXXX this was at XXXX XXXX XXXX it is is XXXX XXXX  and I still have not received a call. This is the runaround I have gotten. Three weeks ago tomorrow I spoke to XXXX with Ditech explained that the link I was mailed was expired she said she would email the paperwork to date I still have not received. I will try to open the attach sent with the response on this. I have all the paperwork except the paperwork from Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing Inc. in conjunction with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have engaged in an extensive and pervasive pattern of discriminatory practices. We have been victims of mortgage and modification discrimination. SPS has rejected my multiple attempts to modify my home and refused to accept my KYHC and HAMP Programs imposing different terms and conditions without proper explanation. SPS has even gone to the extent of automatically transferring me to a XXXX speaking representative after stating my name. They once suggested I rent out the rooms to different XXXX families so I can catch up with my payments!! I would like to see a monthly/yearly report of the closed cases of foreclosure to show how SPS Inc. along with the above mentioned Banks discriminate the XXXX consumer and wrongfully denies modifications and forecloses on their homes!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX 2017 I became aware that my card number had been used by someone other then me to make reservations and for some XXXX that I never heard of so Immediately I called to lock my account I had just put {$400.00} o the card earlier that day for some things I had planned to get for my children for school. I checked my account before I went to bed like I do every night to discover my balance was lower then excepted I placed a call to american Express Serve. in all I think It was like 12 unauthorized charges to my account. That 's a XXXX dollars that I could n't get back and I need my money. I discovered them on X/XX/2017 XXXX for 11 charges to XXXX and 1 charge to travel reservations. I sold my truck deposited my money on to my serve card the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I ordered a statement form ChexSystems and it says that I have a balance with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX. Phone number XXXX. It states that a balance of {$660.00} is unpaid. My husband and I paid this off in XX/XX/XXXX. I would like to have this removed from ChexSystems. It is saying that is was reported on XX/XX/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 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On XXXX XXXX, 2017, XXXX XXXX XXXX provided a renewal offer of our homeowners insurance policy. THE BILL CLEARLY SHOWS {$2700.00} AS DUE TO PAY IN FULL. On XX/XX/XXXX, Ocwen deducted {$2900.00} form our escrow account for Ins Disbursement : XXXX XXXX XXXX. SAID PAYMENT BEING {$140.00} IN EXCESS OF THE AMOUNT DUE & SHOWS NOWHERE ON THE BILLING STATEMENT. We contacted Ocwen by telephone on XXXX XXXX 2017 and was told that they did not know the payment was {$2900.00}. The rep even went so far as to tell us that the amount due according to their computer system was {$2700.00} but that it did show a payment was made on XX/XX/XXXX in the amount of {$2900.00}. The rep assured me that the Insurance company would issue a refund & that if sent to them they would credit it back to the escrow, however, if it was sent to us we needed to forwarded it to Ocwen to be returned to the Escrow account. I informed the rep that I did not recall seeing that requirement in our mortgage agreement that we must return to Ocwen refunds from over payments that are their error. He was insistent that since it came out of the Escrow Account it must be returned to the Escrow Account. Following the phone conversation we wrote Ocwen Insurance Department & the Ocwen Consumer Advocate/Ombudsman concerning this overpayment. WE SIMPLY ASKED TO BE PROVIDED WITH A WRITTEN EXPLAINATION OF WHY THEY PAID {$140.00} MORE THAN WAS DUE, HOW THEY CAME UP WITH {$2900.00} DUE WHEN IT IS CLEARLY PRINTED ON THE BILL THAT ONLY {$2700.00} WAS DUE. Today, XX/XX/XXXX, Ocwen called & left a voice mail stating that they had spoken with our insurance agent and that a refund would be issued and sent to us as the insured. We were once again advised that we need to forward that to Ocwen to be returned to the Escrow Account. WE ARE STILL WAITING FOR AN EXPLANATION OF THE ERROR HOW THEY CAME TO PAY MORE THAN WHAT WAS CLEARLY SPECIFIED AS DUE. This is NOT the 1st error that Ocwen has made with our Escrow Account. We are still missing {$42.00} from an over payment Ocwen made to the county in XX/XX/XXXX -- the bill clearly stating 1 amount & Ocwen deducting a greater amount from our Escrow with no refund or credit having been received 8 months later. We are aware that Ocwen was sued in XXXX 2017 in part due to error in managing Escrow Accounts .... & we have long held suspicions over some of their escrow practices. Clearly, getting sued last XX/XX/XXXX has had ZERO effect on their practices today as this error mimics many of the errors that resulted in CFPB filing suit against 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 2017-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient was supposed to send me documents reguarding the late marked on my credit.They removed them but still have not sent me documents about the removal.I was granted forbearance and deferment from 2008 from Navient.During this process Navient was not allowed to mark my credit late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They 're waiting for updated from Bank of America to give me my loan and you guys have n't sent them updated

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 2017-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are several accounts that are incorrect and not coherent with the other credit bureaus. Some accounts do n't even have my name spelled right and do n't belong to me.There are accounts that are out of date and also closed that should be automatically removed but have n't been. I have tried to submit a dispute but I have n't gotten any feedback. This is hurting my credit score more than the correct debts owed.

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 2017-07-28 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: IL

Complaint narrative:
Equifax credit reporting refuses to remove the paid/release lien attached below even though it is ineligible for reporting under the new, stricter reporting rules for judgments and liens ( social security number fully blacked out, no date of birth ). It has already been removed by XXXX and XXXX from their reports. The Equifax customer service agent I spoke to went so far as to claim that this was " misinformation spread to the masses '' ( her exact words ), and that such liens and judgments would not be removed. I have read reports from others on FICO 's official forums who were told the same thing by Equifax 's customer service people, so this seems to be an officewide issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
They keep telling me different amounts i owe. Like i dont make enough money to pay XXXX $ a month nor does my cosiner. The keep lying about not being able to do anything and they keep lying about being able to lower my private student loans. Navient is the worse XXXX i have ever borrowed from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had opened the BMO Harris account successfully. But some or the other way I am getting a lot of messages from BMO Harris bank that something is missing? I was asked to provide the signature card - which i provided and they got it. But still they keep on saying that something is missing and they will close the account.
When you call them at this toll free # and chat with them - they have no idea. I have no idea what 's going on.

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 2017-07-28 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: CA

Complaint narrative:
XXXX Inquiry from XXXX XXXX, 2017 Initiated a hard pull using my social security information when this was not authorized. Institution should be looked into for further investigation. The date of which this was initiated was not consented. Spoke with institution and they would not assisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
There is no communication between the app and my bank! It is very important that the bank have communication with the app company.

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 2017-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
In XXXX of 2017 I called PennyMac to request that all overpayments sent by electronic check be applied to principle rather than advancing the payment due date. The representative agreed and said the changes were made at that time. When my XX/XX/XXXX payment was applied to my account at PennyMac, they erroneously applied 100 % of the payment to principle instead of distributing it to principle, interest and escrow. I messaged them online and they promptly corrected the error. I was told the problem that caused the error was fixed. When my XXXX 2017 payment was applied, again 100 % of the payment was applied to principle. On X/XX/17 I messaged them to correct the error. They assured me the error would be fixed. When I checked on X/XX/17 the error had not yet been fixed and there was now {$30.00} late fee applied to the account dated X/XX/17. Again I messaged them online insisting the error be rectified. As of X/XX/17 the XX/XX/XXXX payment has now been re-applied properly ( to P & I and escrow ) to the account, but the late payment fee, which resulted because of PennyMac 's error, has not been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
EOS CCA called X/XX/2017 asked for personal information. Never sent a letter stating who they were or what they wanted. started calling again a month later never stating who they were or why they were calling again no letter??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Comenity Bank ( Express Next Card ), XXXX XXXX, XXXX XXXX XXXX, and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did not apply for this Syncb/bp Dc credit card. Can you help me with this problem?

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 2017-07-29 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: TX

Complaint narrative:
X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.

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 2017-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have Discover Credit card for years. They have a price protection plan. in simple terms - if you buy something online and that something is found to be of lesser value within 90 days - one can submit the claim and get the difference amount. I submitted one such claim Claim # XXXX My price protection claim was denied for really weird/unacceptable reason. The XXXX XXXX camera with lens that i bought it - it was found to be cheaper within few days. But still my claims was rejected.

Company response to consumer: Closed with explanation