vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Today, I called Navient about information on my loan. Yet again, they can not give me details. It is if they just made it up and I am supposed to agree and abide by that. I have done this several times. They send me from one department to another. I am seeking the payments recieved, the amounts, when they were recieved, and from what account. My bank does not have any record of this nor do I have recollection of what they have posted. They have changed, re-aged, and falsely reported everything from the amount owed, payment dates, to interest, charged off dates, and balance owed. This is all done to keep it on my credit. I have no problem making payment arrangements to them but I need correct information, detail, all mailed to me. They are known for falsifying things. They refuse to. They just send me a print out of what they typed in I owed. They give me nothing so I can do my own research. I do not trust them for good reason. Millions of people have been duped by them. I am unable to secure high employment, a home, and decent life due to their continued false reportings. I need your help in getting this information. I feel that they are reporting this on my credit well past the legal dates by using false info. Please help. If they can not give me this info, then I want it removed immeidatly for good. Again, I am not refusing to make payment arrangments with them. I am seeking a correction to this issue or I may have to take legal action myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
call came from Linebarger Goggan Blair & Sampson, lady asked for me by name, wanted me to giver her my address to verify, I refused unless she told me what it was regarding, she said she couldn't tell me unless I verified my address, I told them not to call me again. my caller ID shows they have call everyday the last month. I have a mortgage and no other debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
Google Pay  demands access to an exterior credit or XXXX account to buy an item. I do not want to link any accounts - just pay for what I buy. Google demands a link to other accounts. This is a process to gather 1000 's of credit card and other payment information. An invitation to hacking and fraud! 
Stop Google from controlling the World!

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 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Interoffice emails from banking officer internally deleted. One of the six survived & XXXX XXXX started a review. They can't go d deleted emails or review. ( Repetitive patterns of lies and incompetence as in poor follow through modification reqhezts. Can't find those either ). 
Hired attorney to find out why they didn't let me apply. They stonewalled him, still did not let me apply & now say they would only communicate with him in the bankruptcy but this was two years before the bankrt (? ). Absolutely Kafkaesque! 
XXXX said they would not let me apply for a new loan ( illegal ) & said the advertised rate on the radio was not offered ( violation of her in advertising ). Repetitive patterns of illegality. 
XX/XX/XXXX bankruptcy filing withdrawn on XX/XX/XXXX, not dismissed in 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 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
To Whom It May concern, I was approved by the Illinois Hardest Hit Program back on XX/XX/XXXX! I fell gravely ill in XXXX, and have since been permentaltly XXXX and on SSA. The great people that work with The Hardest Hit program, here in Illinois, put a fast track on my application, because when I applied in XXXX, I was already many months in arrears, and the process normally takes 90 days, or more. So, they fast tracked it and got me approved for {$35000.00}, of which included 4 months of future payments. I was, at the time, behind {$27000.00}. The documents were sent over to Mr. Copper, for approval, so that they could send the check. I verified on the XXXX of XXXX with Mr. Copper, that they received all the documents, and that it would  take a few days to process, possibly by the end of the month. 

I called at the end of the month and nothing had been done as of yet. This went on for months. I called every week for months stressing the urgency, since the amount approved was going to pass it's approved amount. I even sent corporates headquarters in Texas, via certified mail, a package of all documents and email corresponds with Mr. Cooper ( i never got a response. I was consistently told not to worry, that Mr. Copper deals with Hardest Hit Programs all the time, and that everything will be fine, every time I spoke to their customer service reps. many of my urgent calls and complaints, were sent to the Escalation Dept. Again, I never received a call, email or letter. 

Long story short, they, Mr. Copper, sat on it and responded on XX/XX/XXXX, with the total owed {$36000.00}. 

Mr. Copper is now flat out lying and stating they received the documents from The Illinois Hardest Hit Program on XX/XX/XXXX ( a complete lie!!! ), and received the denial from The Illinois Hardest Hit Program on XXXX XXXX, which is factual. But i was denied due to their negligence. 

I have been greatly, negatively impacted by the negligence and falsehoods by MR. Copper. The impact it has had on my health has also greatly affected my life, due to the XXXX. 

I then called again, after the 2nd denial for options. they offered me a loan modification. i never heard back from them after a week or so. i then received an email after complaining, that i was denied due to my income and foreclosure proceedings were going to proceed. I never once was contacted by Mr. Cooper for information on my finances. Such as change in income, bank statements, and such. Just a flat denial. Today ( XX/XX/XXXX ) I emailed via an appeal of there decision with all relevant documents that show i can indeed afford the modification and make my monthly payments. I have attached the email as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
EQUIFAX, INC did not come close to answering my question about why they reported a zero or a N/A to creditors of mine for a loan. Not a friggin credit score that was done months ago. Cut the XXXX and explain why i am paying a XXXX load of money I shouldn't be. I am sending this complaint to the attorney general of Washington state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I paid off a loan I had with Credit Acceptance over a month ago at the end XXXX. As of XX/XX/XXXX I still have not received the title or the {$40.00} refund for over payment. They claimed they sent it to me over 2 weeks ago along a check. Their response to my numerous calls was to keep waiting, which I did, even though I had already sold the car to someone else. I spoke with XXXX and she stated that I could pay for a duplicate title which I stated I didnt lose the title, they did, and should have to pay. There was no tracking number for what they allegedly sent. I need this to be resolved ASAP.

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 2019-08-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA FROZE MY ACCOUNT AND WONT GIVE ME MY MONEY BBVA XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax, and XXXX provide free, annual credit reports. However, people on public assistance can get them seemingly anytime. I believe that is discriminatory and unfair to consumers who are not on public assistance. I would like to know how this can be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: GA

Complaint narrative:
Rise has contacted me 122 times since XX/XX/2019. It is ridiculous since they get payment from me every two weeks. They harassment has to stop. They need to remove me from the auto dial list immediately. When I reject a number they call back from another trunk number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX around XXXX I went to an ATM with Chase Bank. I made 1 deposit in total, including a check and cash. The ATM ate my deposit and spit out a receipt with a number on it to call to make sure my deposit went through. I called, and they transferred me to the claim department. I made a claim. At the time, I couldnt remember my exact check amount, I guessed around XXXX for the check, and XXXX in cash that I was positive about. So they made a claim for XXXX. Not long after, my check for XXXX went through. I called them to let them know it went through, but that I was still missing my cash. They said its still under investigation. Time goes by and they put XXXX dollars of temporary credit on my account, on XX/XX/XXXX, while they still investigate. Time goes by, I open a letter on XXXX XXXX that they closed my claim. They took out the full XXXX in temporary credit, without giving me my missing XXXX dollars in cash. I call and they claim they didnt find XXXX dollars in the ATM or any sister ATMs and that they had to deny the claim. I was confused. I deposited my XXXX dollar check along with XXXX in cash. It was two XXXX dollar bills, a XXXX, and three XXXX. I dont understand how XXXX can disappear from the ATM for them to say it wasnt never deposited. I explained to them its not my fault that the ATM ate my cash, and that I shouldnt have to have practically XXXX dollars stolen from me for banking with them. The worker then went on to say if I have any other documentation proving I actually deposited cash along with my check, that they would possibly reopen the claim. What documentation? Its cash. They could even pull up the ATM cameras at the time and see me depositing cash at the exact same time along with my check. The refused to give me my cash back and I have to basically deal with the fact that XXXX was stolen from me from the ATM eating my deposit. I just began banking with them a few months ago and this happens, it is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received a cash advance from a Capital One credit card. When I paid it off, in full, the next day, on top of the minimum payment due, my payment was not applied to the cash advance balance. I called to get the interest fees waived but they were not able to do so since, in the supervisor 's words, it would be an " exception to company policy '' and the situation did not meet the required " factors '' for a possible exception. 

Having never taken a cash advance before, I spent hours researching the matter and spoke at length with a customer service representative on the phone beforehand to understand how the fees worked and how payments would be allocated. I understood that payments would, after the minimum due, be applied to the balance with the highest interest rate per the Credit Card Act. 

However, my payment was not allocated to the cash advance balance, despite it being the highest interest rate. The reason? The cash advance had not posted yet. I paid the cash advance off the day after receiving it but the advance did not post until two days afterward. Capital One 's position, essentially, is that it was my responsibility to wait until the advance posted so that payments could be allocated towards that balance. Having made the payment too soon, the payment applied to the revolving debt instead and I continued to accrue interest charges on the cash advance for nearly two months. They were not willing to rectify the matter even though the total charges I am asking to be waived were not large. 

I worry that this is an end-run around the Credit Card Act protections, allowing Capital One in this case to extract erroneous fees while hiding behind the consumer 's ignorance of this technicality. Because of the hard line they drew with little empathy or willingness to even attempt to reverse charges, I am left feeling like I will not continue doing business with Capital One if this is how they operate. 

Also, it was alarming to hear the first customer service agent I spoke with state that payments were allocated based on balance and not interest rates. ( He was saying the payment was allocated to the higher balance rather than, as the law requires, to the balance with the higher interest as the law provides ). This is false information that I sincerely hope was a simple mistake and not actual policy/attempt to avoid reversing charges based on made-up rules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX and inquiries that are closed, paid, cancelled or old still remaining in my report. Incorrect middle initial C in my name. My name does not carry a middle initial.

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 2019-08-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
i have been filing compaints against Capital One since XX/XX/2019 with CFPB and they have assisted Capital One in violating the Credit Card BIlling Act. I called CFPB states it was referred to OCC. Call OCC they states been referred back to CFPB. Capital One has promised me multiple call back and refunding the {$1000.00} and 7 months later still nothing.I am now submitting a complaint for conflict of interest with CFPB. every agency has assisted this card company in violating my consumer rights and i now want CFPB to refer this to whatever agency regulates CFPB. Capital One billed back this {$1000.00} multiple times after crediting and exceeded the FEDERAL LAWS that allow bill within 2 cycles!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
Getting calls from Radius Global Solutions impostor about a $ XXXX student loan through XXXX XXXX that I don't have/never took out. Called Radius Global Solutions HQ in XXXX PA XXXX, they don't have record of me by SS # or phone # in their system. 

The calls are coming from XXXX, most recently today at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Although they continue to ask us to sign in they have prohibited us from accessing their data base and cancelled my wife 's free account- XXXX XXXX please review your XXXX XXXX  file There's been a change to your Experian credit file. 
Click for details

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 2019-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
I first obtained loans while attending undergrad at the University of XXXX and continued in XXXX   school at XXXX State University. I ended up with over {$40000.00} in student loan debt. After I graduated with my XXXX XXXX  in XXXX I looked into the Federal Loan Forgiveness Program because I knew I was going to be working for the federal government. I had a couple of seasonal positions with the government and then became full-time permanent with the XXXX XXXX XXXX XXXX in XX/XX/XXXX. I called my loan servicer in XXXX and inquired about the forgiveness program and I thought I was in. I continuously called periodically year after year finding out that I was not, and felt assured ( by the end of the phone call ) by the loan servicer employee that I was finally in and making qualified payments each time I called, every year. I called Fedloan Servicing earlier this year and they said I would be able to get all of my previous payments from when I started as a federal government employee in XXXX to become qualified payments, once I made 120 payments and by filling out a form associated with qualifying back payments. I made another call this week and spoke to a supervisor with Fedloan and he said I will not get any of those years prior to XX/XX/XXXX qualified toward the 120 month payments because qualifying back payments can no longer occur. I feel I have been lied to over and over, and I definitely would not have had my student debt with Fedloan if I would have known this corruption was going and its affect on me. I have been making monthly payments in higher amounts than I wanted to with the income driven repayment program, and I feel that I should be nearing the time when my loans should be forgiven, had the first and subsequent ( many ) loan servicer employees told me the truth. Fedloan said they are just following the policies set forth given to them by the Department of Education, however it took almost 10 years for them to figure it out to some degree causing damage to me, at my expense. I want my student loans forgiven and my payments to be counted as qualified payments from the time I obtained permanent employment with the federal government from XXXX, as I was told from the beginning from the loan company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
My husband and I owed a balance to XXXX XXXX XXXX. On XX/XX/18 I mailed a check to them paying this balance. After I had paid the debt we received letters from a collection agency telling us we need to pay them. I sent them a copy of the cancelled check, but they will not remove it from our credit reports. The collection agency is Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The Bankruptcy listed is NOT mine they continue to say verified but are unable to provide proof of verification, I have been disputing with them for over a year legally.

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 2019-08-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
i have been filing compaints against Capital One since XX/XX/2019 with CFPB and they have assisted Capital One in violating the Credit Card BIlling Act. I called CFPB states it was referred to XXXX. Call XXXX they states been referred back to CFPB. Capital One has promised me multiple call back and refunding the {$1000.00} and 7 months later still nothing.I am now submitting a complaint for conflict of interest with CFPB. every agency has assisted this card company in violating my consumer rights and i now want CFPB to refer this to whatever agency regulates CFPB. Capital One billed back this {$1000.00} multiple times after crediting and exceeded the FEDERAL LAWS that allow bill within 2 cycles!!

Company response to consumer: Closed with explanation