vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My name is XXXX. I tried to get XXXX XXXX ( the name of Navient at the time ) to release my loan to another lender so that I could reduce my interest rate and they would not do so. I went through the route of contacting my XXXX 's office who directed a XXXX XXXX representative to contact me. That XXXX XXXX rep said that under no circumstances would XXXX XXXX release my loan to another lender so that I could reduce my interest rate. Also I was put into forbearance two times without being contacted by XXXX XXXX. I did n't initiate the process of forbearance. XXXX XXXX told me that since I had enrolled in college two separate times and had filled out federal financial paperwork, that act alone allowed XXXX XXXX to put my loan into forbearance without my knowledge. When I asked them to take away the forbearance charges. They would not do so. I lost hundreds of dollars in forbearance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been in a hardship program with Navient since 2012. I have been making payments without fail every month for almost 5 years. Despite this, it was reported to the credit reports that I am in default and because of this I am unable to get a mortgage. Additionally, I was XXXX last year, and when I called Navient to see about postponing my payments, as I would be on short term XXXX for the duration of my leave, I was told it was impossible. I had to choose between paying Navient or paying my electric bill. It is unfathomable that people who reached the goal of a degree but can not make ends meet. I hope that something can be done for people who are struggling to pay back loans and have a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2015 Bank of America/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
There are discrepancies on my credit report. There are open loans and credit cards that I didnt apply for. Im also having issues getting loans and credit cards. I recently applied for a credit card and a personal loan from XXXX but it wasnt approved. This happened about a week and a half ago. I want to be able to get a loan and a credit card. I want the discrepancies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received Bank of America new mortgage statement. 
Total monthly payment amount increased from {$1800.00} TO $ XXXXDifference {$690.00}. Principal and interest are the same {$1300.00}. 
Escrow more then XXXX from {$530.00} to {$1000.00}. 
No reasonable explanation. i have a fixed rate, taxes and insurance are the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
CBE Group has never sent me a letter in the mail for pass due loans. At XXXX point I took out a payday loan back in XX/XX/XXXX and was over charged on interest fees and closed my bank account as they got more then they should by the payday loan company. I reopened my account with a new account number with the same bank. So years later the CBE Group who is a XXXX party maybe trying to collect on the loan which I was over charged on interest and paid back which the loan company wanted more and more. 

Anyway Number that called was XXXX. Called me after XXXX on my way home from work one night last week on XX/XX/XXXX. I picked up the call and the lady seem rude asking what my name was and my social security number with of course what my home address was. I did n't give them that info. I said to the lady if you call my cell phone and think you have the right person send me a letter in the mail. I basically told her to shove it and send me a letter in the mail if you have anything on me for whatever they wanted. So just today XX/XX/XXXX week later they called my dad 's cell phone stating that his son has a bad check. I get a call from my dad and I 'm like I have no idea what they are talking about. I do n't write checks. All my bills are paid online anyhow.. So next time CBE calls I 'm going to record the conversation and let my police buddy take it from there see if I can use any of there harassment against them in the future!!! I want them to stop calling me and they buy these outstanding loans on the pennies and I 'm sure they would love to clear out my bank account. That 's not going to happen because I 'll go to CBE office in Iowa and do matters in my own hands if I have too one day!!! So please make them stop cfpb and do your thing. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was past due 30 days with Bank of America on my credit card due to a hardship. 
I enter in to hardship program and I made a payment on XXXX the representative advice me that I wont get any late fees and that they wont report me to the credit Bureaus as late. To this date I am being reported to the credit bureaus and it is affecting my credit worthiness. I am a single parent trying to catch up and be responsible with my payments and this is affecting me moral and financially. They claim that they never said that and that it would be their decision if they want to do that. I called several times before just to make sure about the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
They want an over abundance of money. When they talked about a income driven plan, last year ( 2015 ), I sent paper work in and they said I owed nothing. Nothing has changed with my income or amount of children or anything and now they want payments even with the same income driven plan. It seems like they always switch things up. No one is on the same page, it 's always something different every time you calll them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have disputed this account on my credit report that is showing " Jefferson Capital Systems '' from XXXX and the CB 's removed the negative remark due to them not investigating within 30 days. I have since then received a paper in the mail stating they are the owner of the collection account. I have notified them through the Credit Bureau that this account was due to identity theft and is not mine. They continue to report on my credit after the CB removed it. They also continue to collect even after telling them this is due to identity theft. 

I have provided a copy of my police report showing identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out two loans with XXXX back in XXXX when I attended XXXX Community College in XXXX, FL. I am XXXX school now and suddenly these loans have come into repayment. I called Navient, and they told me that I 've run out of time to not make payments and must make take a forebearance, pay {$100.00} to clear the past due and now start making payments each month. I paid {$150.00} for XX/XX/XXXX and now they say I owe {$160.00} for XX/XX/XXXX. 

I looked at the loan information and it says that the loans were disbursed XX/XX/XXXX and XX/XX/XXXX, both of which is a lie. I was attending the XXXX in XXXX and was taking federal loans at that time, so no private loan would have have been needed. 

Further more, when I talked to their customer service, they said I had no income based plans available to me and must start making payments immediately, even though I am still in school. Then I see that the government is suing Navient for misleading it 's customers so I 'm filing this official complaint to see what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am trying to get my mother off as a co-signed on my loan. I have reached out and even talked to a rep. That rep never got back to me after following up with them numerous times. My emails and phone calls just never were answered. We have been paying for almost 8 years now and have never been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had a mortgage with from XXXX of XXXX to XXXX of XXXX and never missed a payment. I refinanced my Citizens Mortgage through XXXX in XXXX of XXXX to obtain a XXXX loan to completely renovate my home. My home is built. My current mortgage is with XXXX for {$410000.00}. My house is a single family ( XXXX ) in XXXX XXXX with an ocean view, XXXX car garage, and an additional parking spot. 
In late XXXX of XXXX, after I moved in, I started a refinancing process with Citizens to lower my monthly payment by close to or at {$600.00} because I would no longer need PMI insurance. I provided Citizens with every document it asked for ASAP ( XXXX for XXXX, XXXX, XXXX ) I signed to allow my income taxes to be released. 
I paid {$450.00} for an appraisial of my home which occurred on XXXX XXXX of XXXX. The apprasal came in ( {$590000.00} ) signifigantly under market value. I raised complaints about the my appraisal to the loan originator, XXXX XXXX of Citizens Bank XXXX XXXX XXXX, and she agreed it was way under value, would file an complaint, but the loan should be fine even though the appraisal was so artificially low. 
I was told we would close at the end of XXXX XXXX. We did not close then and was told we would close at the end of XXXX. All along, as is available via email, I was told the loan was going forward and we were all set. On XXXX XXXX, XXXX, I was told via email from XXXX XXXX we would close Monday XXXX XXXX, XXXX at XXXX at the XXXX XXXX XXXX XXXX. Then it was moved to XXXX XXXX. I was told over the phone by XXXX on XXXX XXXX around XXXX we were closing tomorrow XXXX XXXX. At XXXX XXXX XXXX I received an email from XXXX saying the loan was denied. XXXX also said in the email she had a sore throat and cold not talk. Reason stated was the amount of my summer job was {$1900.00} less on my XXXX than XXXX had told me it was safe to cancel my XXXX payment with XXXX which I did via telephone. I planned so financially. I have a XXXX child. My wife is not working. I now need to come up with additional money which I was told I would not need because my Citizens payment would be lower. 
I did everything asked, was told only positive things about my loan ( in other words all I ever heard via email, telephone was that it was moving forward ) and get an email the night I was supposed to close that it is not happening. After another week of vetting my financial sources, which I submitted back in early XXXX of XXXX, I was told by my loan officer i was denied on Friday XXXX XXXX, XXXX. 
No bank should be allowed to treat people in such a manner, especially when people 's financial future is held in the wings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Hi I sent {$3700.00} to my son by using the pay bill online service of the Citizens Bank. The money was cashed by somebody else. The Bank refuses to refund my money and claims that the check that was sent to my son was altered by somebody who scanned and cashed it in XXXX What recourse I have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
My car was repossessed on XXXX/XXXX/2016 by Chase Bank. I called on XXXX/XXXX/2016 to pay the delinquent amount immediately. I was told the full balance of the loan would need to be paid not just the delinquent payments. I did not receive a notice of acceleration prior to them taking my car. I have received a notice of sale that will take place XXXX/XXXX/2016. I am a XXXX XXXX XXXX currently unemployed and in search of job. After speaking with several representatives from Chase Bank ( I have the names and id numbers ) and begging to make the payments I was refused. I have never defaulted on a loan. I believe this to be discrimination because of my place of residence and the fact that there is equity in the car ( over {$5000.00} ) that I may also lose. Please help I just want to be treated fairly, and not have my car stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is refusing to remove old accounts. XXXX XXXX and XXXX XXXX are reporting fraudulent payment history. According to the FCRA I can request for accounts to old to be removed and XXXX is reporting fraudulent history to keep on credit reports. XXXX XXXX is reporting accounts from 2011 when I had been out of school a few years so I could not have receive funding when I was not in attendance of school. Debts began 6 months after school. so either way their is some fraudulent debt reporting, nor do I know anything about funding from this organization. I have never had any payment history with the organization. I have never received any payment information from this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have not received any validation documentation from United Revenue Services. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by 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 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Anderson and Associates Credit Services, LLC
State: CA

Complaint narrative:
I have repeatedly requested that Anderson & Associates Credit Services LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: HI

Complaint narrative:
Enhanced Recovery is reporting a Fraudulent XXXX account to my credit reports, this account was setup as a result of ID Theft and I have notified them of it and they continue to report the fraudulent info even after I requested they remove it under FCRA Section 605B and 623 ( a ) ( 6 ). I also gave them the case info for the lady that the Feds arrested that was selling all my info and fraudulent id documents as well! I am in the process of a home loan and if this remains it will stop me from getting a home and I will be forced to take civil action to get this removed right away!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am unable to log into my Chase Amazon cred account. ( I also could n't apply my promised rewards to my amazon purchase ). I can not logon and see my bill, so I called customer service. They told me I owed {$3900.00}, which I paid on XXXX XXXX. I did n't want to deal with this credit card anymore, so I paid it off. I called back on XXXX/XXXX/17 because I still could not log in and wanted to make sure I did n't owe some small amount that would end up on my credit report or have a positive balance that I was never refunded. I call customer service who told me I overpaid by {$220.00} and they could direct it back during business hours. The service agent transferred me to a manager. I got a customer service manager in " Central FL named XXXX ''. He told me he could n't tell me his last name or employee id #. He still could n't get my online account to work. He told me that they could not direct deposit my money back. This is fraud. I ca n't access my account, they ca n't fix my account, and they wo n't immediately refund the money they fraudulently collected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had a checking account in good standing for almost a year with Citizen's bank. During my history with this bank, I'd had several deposits made through my XXXX account to my checking account with Citizen's without problems. In XX/XX/XXXX I had XXXX sent from my XXXX account to my Citizen's account. XXXX has confirmed the transaction was completed but Citizen's is claiming they don't have it despite having a confirmation and ACH trace number from Paypal proving otherwise. Despite my having a good standing account with Citizen's for almost a year and my providing these confirmation numbers, Citizen's rudely closed my account in XX/XX/XXXX They are claiming I owe them over $600.00 and have reported me to 3rd party companies that they closed my account for "Account Abuse".

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Business & Professional Collection Service Inc
State: CA

Complaint narrative:
Business & Professional collection services is reporting XXXX accts which I paid & they agreed to remove from my credit when they accounts were paid. I 've contacted all XXXX of the bureaus and XXXX has removed the accounts. XXXX & XXXX however are still reflected as a current collection on my credit report. I know this is a violation of the FCRA especially when the company agreed to remove it when it was paid. I 've tried contacting them through normal mail, phone & the bureaus but they are ignoring my requests. Can you please assist me in getting these XXXX accounts removed from my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: IL

Complaint narrative:
The CFPB recently resolved a dispute ( case number : XXXX ) for me with XXXX XXXX XXXX, regarding a debt that I did not owe. They called to collect {$1600.00} on behalf of XXXX XXXX. However, XXXX XXXX is not legally entitled to collect this money from me, and so neither is XXXX XXXX XXXX. I therefore asked the CFPB to help me file a claim against XXXX XXXX XXXX, which the CFPB did. Indeed, the CFPB ordered XXXX XXXX XXXX to relinquish their claim, and I wish to thank the CFPB for that. 

However, XXXX has attempted to go around the CFPB by passing this same debt on to North Shore Agency. I have contacted the FCC regarding XXXX 's actions, and am now also contacting the CFPB to request that North Shore Agency cease attempts to collect from me. 

Further details of this case are available in the complaint I filed with the CFPB on XXXX XXXX, 2015 ( case number : XXXX ). I have filed similar complaints have been filed with XXXX XXXX, the FTC, and the FCC.

Company response to consumer: Closed with explanation