vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have a large student loan debt with Navient ( formerly XXXX XXXX ) due to going to medical school. I understand having to pay interest on all loans, however, I do not understand how over the last six years since being done with residency, I have paid a total of {$180000.00}, {$150000.00} of which has gone to interest and only {$32000.00} toward principal. 
Over these last six years the yearly amount of principal paid is as follows : XX/XX/XXXX : {$6400.00} XX/XX/XXXX : {$860.00} ( yes, this is correct ; less than one thousand dollars ) XX/XX/XXXX : {$6100.00} XX/XX/XXXX : {$7300.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$9200.00} I 'm happy to include any documents needed. 

Having this large debt persist has prevented me from being able to purchase a home and, hence, I have been losing money in rent. 

In XX/XX/XXXX, I wrecked/totaled my vehicle and had difficulty getting approval for a new one.

I 'm desperate for help in this matter and the idea/hope for some form of resolution to this. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I received a letter from Citibank ( which I found out later is Sears ) stating that due to an agreement between Citibank N.A. and certain of its subsidiaries and the CFPB, I am due a refund of certain fees previously billed to my account for a discontinued credit monitoring program previously offered by Citibank. This amount is {$120.00}. This is for people that were enrolled between XX/XX/XXXX and XX/XX/XXXX. First of all, I have not even had a Sears credit card for @ 10 years and they stated that they applied the amount to my account. Friday, XX/XX/XXXX, I called the toll free number on the letter to see if I could just receive a check, since I no longer have this card. I was transferred AT LEAST 6 times, each time being on hold for AT LEAST 5 minutes. The first person I talked to said it was a Sears card, and gave me phone number XXXX to call, which I did. They did n't seem to know what I was talking about, and transferred me to another department. They did n't know anything either, so I was transferred again. AND THIS WENT BACK TO THE FIRST PERSON I TALKED TO. I believe her name was XXXX. She then had me talk to XXXX? who gave me the phone number XXXX, # 4. This took me to probate, which I guess you only call them if someone is deceased. Then they transferred me to someone else, who transferred me to a 3rd party administrator by the name of XXXX. They informed me that they applied to the account because I still had a balance. How can that be if I have n't had the card for years? I asked them this, and I was told there is nothing to be done. I was so frustrated by then, having been transferred numerous times, being on hold each time, and by spending almost an hour on the phone, that I told XXXX that they could stick the money ... ... .Normally, I would n't say something like that, but I WAS SO FRUSTRATED!!

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 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: NC

Complaint narrative:
First Credit Svcs has reported a {$200.00} collection account on my credit report. Prior to seeing this account appear, I received no notification from this collection agency at all. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC
State: CA

Complaint narrative:
See complaint number XXXX for reference. After stating that I would no longer be contacted for a debt owed by someone ( XXXX XXXX ) who had my phone number over 3 years ago, I have once again been contacted by someone claiming to be XXXX XXXX with XXXX XXXX XXXX. Call was this morning ( X/X/2018 ) at XXXX ( PST ). 

I do n't know XXXX XXXX, STOP CALLING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
On X/XX/2015 {$1600.00} was put in collections without my notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Loan Date Amount of Loan XX/XX/XXXX {$12000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Many calls were made to Navient to have them explain how the Unpaid interest and Unpaid fees were calculated. In addition, the request for how the accrued interest was also calculated. During this time payments of interest were paid and sometimes additional money was sent to reduce the principal. I was unable to identify how the interest and additional payments were applied. On occasion the difference was rolled into the principal.. I have analyzed each of the accounts from inception of the loan and I am unable to account for roughly {$25000.00} that of payments that were made. As of this day the loans have been satisfied through another company. I am having a hard time getting the pay off letters that state that the loan has been fully satisfied and the amount that was paid off. I am aware that Navient is involved in a class action suit and I would like to be included in this suit based on my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
As usual my husband and I received our Mortgage statement in the mail. I typically pay our mortgage online through Loancare. Loancare is a company hired to collect for XXXX. On the XX/XX/XXXX, I go online to pay the mortgage and realize that we are now being charged a XXXX $ fee to pay our mortgage. This was not there when we paid the mortgage in XX/XX/XXXX. So, I wait until XX/XX/XXXX to call Loancare and speak to someone regarding this fee. The Representative tells me unfortunately the fee process started XX/XX/XXXX. I inform her we never received notice and she stated it was online. I then ask how could this be when your given a grace period of 15 days to pay without being penalized? She states that Loancare only collects for XXXX and that this is Loancares cost for collecting. This representative then proceeds to inform me she can process the payment this one time without the fee, that next month I need to pay between the XX/XX/XXXX-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 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I have been trying to withdraw some of my btc to verified XXXX account for 2 days now and the sell order stays pending for 2 hours and gets cancelled every time. I used the XXXX sell feature before and it worked flawlessly ( other than the fact that it said my funds will be available the next day when they came instantly ). Now I ca n't sell any btc instantly. 
Account email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written to Experian, XXXX and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. Experian, XXXX and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.

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 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have banked with Capital One for roughly 2 years. This morning for the 3rd and FINAL time in the last 2 years I attempted to use my debit card only to have it be declined. After several more attempts I broke down and called their customer service. For the third time I was informed that my debit card was stopped/canceled over suspected fradulent activity 0 notice was given. No email. No phone call. No letter. Nothing. Just canceled. And not only did they cancel it, but on the 2 previous occasions that they did the identical thing. I specifically told them DO NOT flag, or do anything else with my card. If I somehow get my card stolen for the first time in my 35 year life I promise Ill give them a call. Otherwise, if I go to use my card. It should work. Every single time. Seems like a pretty simple concept. But apparently thats just too much to ask. So after sitting though 20 minutes of hold time. And another 10 minutes getting a card sent. I hung up thoroughly angry. I set out to open a new account elsewhere and I when i opened my email I noticed a message from capital one stating I could get their mobile app and have access to a digital copy of the card being issued to use online. WONDERUL I thought! Exactly what I needed. I hurried. Downloaded the App and started searching. 20 minutes, multiple XXXX  searches, and 0 progress later I again called. Thinking surely Im just missing it. 20 more minutes on hold. I explain the situation to the representitive. I tell him i received the email. I go over step by step on speaker opening the app. He then puts me on hold for another 10 minutes. Gets back on the phone and informs me, This is a pilot program and we believe you recieved the email in error. You arent eligible or able to get the card information online. So 2 hours of my time GONE. Over sheer incompetence with 0 fault of my own. The policies are a joke. The website is so incredibly jumbled and unintuitive to navigate. And as if to mock me, I was selected in error to get my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I have an account with Coinbase.com and I once made a XXXX dollar order for Bitcoin, the order was in virtual transit ; however no later than five days later, I learned that my order was cancelled and Coinbase would no longer allow me to make purchases, deposit, withdraw, or sell any of my assets. This particular issue has been solved by Coinbase support, but on the other hand - they have failed to reinstate the bank account I had on my account so I could make larger investments ; I have waited about an hour and a half so far as I am typing this complaint to speak with a customer representative who could be working with me to solve this issue. As I do n't see a resolution on the horizon anytime soon with their phone support, or support system on their website, I would hope something could be done just to simply reinstate my formerly linked bank account onto my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: GA

Complaint narrative:
My LPMI was not removed by my home mortgage lender, Stearns Lending, even after I submitted a written request when my LTV was under 80 %. My LTV is now under 78 % and they still have not removed my LPMI. 

On XX/XX/XXXX, I mailed a written request to Stearns Lending requesting that my LPMI be removed. My LTV for my 15 year mortgage had fallen below 80 % on XX/XX/XXXX. I also emailed Stearns Lending through their website. I received no response to any communications. 

On XX/XX/XXXX, my loan fell below 78 % LTV. However, the LPMI was not removed automatically. Nor was it removed on XX/XX/XXXX. 

I have not missed or been late on any payments and my account is on auto-pay.

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 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX 2017 ( XX/XX/2017 ) I received a call from a Bank of America representative to be precise fraud department telling that, there is fraud going on regarding phone numbers associated with customers account, I said okay then she said for verification propose she was going to send me a text to my phone for clarification and identification which she did and I verified. Not quite two hour I log into my account and I saw the sum of XXXX XXXX XXXX XXXX dollars being debited from the account been pending I called Bank of America right away, I was transferred from one department to the other until finally someone told me that the department responsible for such matters is closed, that I should call the next he gave me number to call.

When I did call the next day I was instructed to go to the bank office and open a new account and the current account in question will be temporary suspended pending investigation, what ever I have balance will be transferred to the new account that it might take ten business day for the investigation. After ten days I called and I was told that they sent me an email which actually I saw but was n't sure if that was from XXXX XXXX XXXX because it was not easy to access. Eventually I was directed on how to open it but before that the representative told me that my case was denied. I have been trying to reach Bank of America that I have nothing to do with such transaction they have been very adamant about not returning my money, hence I decided to reach everyone that can help in collecting my money for this have cause a great hardship to my family through the Holidays. Thanks XXXX : I am unable to attach the police 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 monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This women repeatedly called me from " XXXX '' leaving multiple messages on my work voicemail. I called her back and asked hedr to kindly stop calling my employment and she stated I could do whatever I want to do shes going to call my employer now and hung up on me. Im not even sure this is a legitimate aattempt to collect a debt. phone number she called from is XXXX ext 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 2018-01-02 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: CA

Complaint narrative:
This letter is a formal complaint disputing the inaccurate reporting to XXXX, Experian, and XXXX  by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, Experian, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, Experian, and XXXX  and provide me written proof that this has been completed.

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 2018-01-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have written to XXXX, Transunion and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, Transunion and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.

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 2018-01-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have written to XXXX, XXXX and Equifax regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, XXXX and Equifax have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Compliance Services, LLC
State: MN

Complaint narrative:
Calling me daily as well as my family members, who live in XXXX  and XXXX, they are even calling persons unrelated to me who are affiliates of my family. 
Started XX/XX/2017 Daily my parents, my sisters in XXXX, my brother, my sister in law and mutual friends in common as a family. 

My SSN was compromised in the XXXX Breech. So I trust no one on anything right now. The calls are automated and state a case number XXXX and that legal matters related to my SSN need to be addressed or further legal action will be taken. 

I've tried to research the number and I see some where it's fraud others where it's not. I do not appreciate my elderly parents and siblings being brought into what ever this maybe.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
attachment # 1 subject of complaint drivers licensed DL # XXXX georgia suspended on purchased date XXXX-2014 attachments # 2 attached XXXX complaint form contractual a dealership plaint not to purchase any vehicles from XXXX XXXX XXXX attachments # 3 this used vehicle could only be purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX general manager XXXX XXXX to conduct a stolen car check. federal truth in lending disclosures civil cover sheet attached cause of action title 15 uscs 1601 findings and declaration deed book XXXX XXXX XXXX county virginia to wit : deed bk XXXX said declaration amened from time to time reason to conduct an investigation extortion {$300000.00} .XXXX permit application case no. XXXX cited XXXX XXXX XXXX use only XXXX XXXX XXXX XXXX XXXX md XXXX the maryland -national capital park & planning commission said land said grantor hereinafter.

Company response to consumer: Closed with non-monetary relief