vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 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: MO

Complaint narrative:
I am trying to consolidate loans and get them out of default.  XXXX   XXXX  owns the majority of my loans and navient owns one. both were in default. I asked for the  IBR  plan and consolidation to get them all on one payment and was refused by Navient unless I paid them  XXXX  to get it out of default. Then next time I called them it was only  XXXX  dollars but they said I was n't able to consolidate my loans because they were n't federally insured anymore. THey also said I did n't qualify for  IBR  plan no matter what when both  XXXX   XXXX  and usfedaid said I absolutely do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient  automatically un-enrolls borrowers from their " autopay program '' if the borrower attends school again. The autopay program is beneficial because it gives the borrower a lower interest rate and automatically deducts payments monthly. The catch here is that, when the borrower calls to request being re-enrolled into the autopay program, they are told by customer service that they will be enrolled the following month. Then, they are never enrolled, interest continues to accrue, and payments never made. This allows  Navient to siphon money out of these accounts in two forms : 1 ) by not allowing current students to be enrolled in autopay while still enrolled in school, or 2 ) actually lying to students, telling them they will be re-enrolled, and then no action takes place. Meaning higher interest rates are applied to the loans during these " periods of confusion ''. If you graduate with student debt and return to school ( grad school ), you will be removed from autopay without warning, your interest rate will increase and no payments will made. Untill the borrower notices this, and contacts Navient, interest accrues while the borrower is under the impression that they are still making monthly payments. Upon contacting Navient, customer service representatives falsley confirm re-enrollment into autopay for the borrower, which never takes place, again allowing time for interest to accure at a higher rate while the borrower is under the impression that the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I paid {$9000.00} out of a   XXXX   to " settle '' a debt. They lied and said it was not settled because I owed {$9200.00}?! I would have given them {$9200.00}. At the time I paid the {$9000.00}! They say something different every time and I foolishly did not get something in writing  1st.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: OH

Complaint narrative:
XXXX   XXXX   XXXX  the Director/Executor/Beneficiary/Grantor/Sole-Shareholder for ( legal name  XXXX   XXXX   XXXX  )  To Whom it May  Concern and that of management staff This letter is being to you in response to a computer generated, entry, letter view by  XXXX   XXXX   XXXX   XXXX   XXXX  of the accounts for  XXXX    XXXX    XXXX , on  XXXX   XXXX ,   XXXX   and the information obtained stated that your companyAFNI #  XXXX  is handling this debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to NATIOANL BANK ACT, THE FAIR CREDIT REPORTING ACT, THE UNIFORMED COMMERCIAL CODE as well as THE FAIR DEBT COLLECTION PRACTICE ACT. This is a continuing effort and attempt to validate a Debt. Be advised that your claim is questionable and validation, proof of claim and lawful verification is demanded. This is a lawful request in accords with the aforementioned and the following : Fair Debt collection Practices Act,   15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive   debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.   ( b   ) Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) It is the purpose of this title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action   to protect consumers against debt collection abuses. I DO NOT HAVE ANY CONTRACT WITH AFNI AND I DO NOT WISH TO DO BUSINESS WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I took out a car loan 5 years ago through santander consumer u.s.a. I have been making payments of {$330.00} for  XXXX  years. My original price for my car loan was just over {$14000.00} and I took out a 72 month loan. I have given this company over {$18000.00} and my balance states that I still owe over {$7000.00}. Last year I inquired as to why my principle was still so high and they informed me that my interest rate fluctuated based on when I made my payment. I looked over the paperwork and it says in there what my interest rate is, which was about 18 %, and it does say it can vary but it says no where in there how they determine the interest rate. So if I was a day late they could jack up my interest rate to the max after  one day l ate. They also reported my payment late for several months even though I have a chat record that says I was never late. They have been preying on my families finances and now I have a car that is at leas t   XXXX   XXXX   under  appraisal and I have no end in sight for my loan payments. I have several chat transcripts that displays their incompetence. I have also requested them several times to send me everything that pertains to my contract and each and every time they send me my payment history and that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient student loans calls us  3x a  day everyday of the week because our son is behind in his loan payment they do n't need to harass this much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used Ba nk of America '  s online Bill Pay function to send two pay ments to my other financial institution ;  XXXX  for {$75.00} for a credit card payment and  XXXX  for {$78.00} to cover my auto loan on  XXXX / XXXX /  XXXX  . The other financial institution rejected those payments on  XXXX / XXXX /  XXXX   because they said the account numbers did not match what they had on record. The processing time on their end to send back to B of A was 2 days, which means B of A would have received the rejected funds on  XXXX / XXXX /  XXXX  . B of A has refused to issue my account a refund for the total of the payments and denied that the payments were not received by the other financial institution until I had a  XXXX  telephone conversation with my other bank and a B of A representative. They still refuse to refund my money and have no explanation as to why or where my money is.

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 2017-04-19 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ

Complaint narrative:
XXXX  repossessed my car without notification ... I wa s 30 mile s from home on a cane, in a handicapped spot with handicapped plates. I was very late getting home ... almost did n't get home.

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 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Special Financing Company, LLC
State: OK

Complaint narrative:
This is an additional complaint in relation to case number  XXXX , regarding account number  XXXX  with Special Financing Company , LLC. I received the statement for  XXXX   XXXX  this morning via email as per my request from customer service yesterday. Upon my review of the billing statement I discovered some discrepancies in regard to the account. The APR listed on the statement is 18.99 %. The APR on the Sales Order that I signed on  XXXX   XXXX ,  XXXX  states that the  XXXX  on the loan is 17.99 %. I have uploaded a copy of the executed  Sales Order  that states this agreed upon  APR. Also, the billing statement shows that there are 25 pa yments due until the account is paid in full. As of  XXXX   XXXX ,  XXXX , there have bee n 13 p ayments deducted from my bank account and credited to the balance of the loan. The offer that I received from  XXXX   XXXX  from  XXXX   XXXX   XXXX , was an offer of a 36 month ( 3 year  XXXX  loan. That is the offer than I reviewed, gave consideration to and accepted. I do not have a copy of this offer, however  XXXX   XXXX   XXXX  should have a record of it. I have uploaded co pies of 13 payments that have been withdrawn from my bank account. If there are 25 payments still remaining and I have paid 13,  this is a 38 month loan. Also, customer service has informed me via telephone that this is a 3 year loan. My last concerns are that I was charged {$990.00} just to " start '' the account, and no funds from this fee were applied to my account balance. Additionally, there is a {$1000.00} added to the balance of the loan that is not part of the funds dispersed nor interest. I question if this practice violates consumer right 's laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
My mortgage was transferred to Shellpoint mortgage services back in  XXXX . My property taxes were supposed to be paid in  XXXX  but never did. I then received a letter from my city that taxes were n't paid and I had till  XXXX   XXXX  to pay them or I would have a tax lien placed. I immediately called Shellpoint mortgage in  XXXX  when this letter came and they said yes the taxes will be paid. I called city on  XXXX   XXXX ,   XXXX   taxes still had not been paid. I called Shellpoint again and they said they will escalate and to call back in a week. I waited and called the city on  XXXX   XXXX ,   XXXX   taxes still not paid. Called Shellpoint and they stated a check was mailed out  XXXX   XXXX ,   XXXX  . Waited a week and called City still nothing. Called mortgage company again all I get is check was mailed on  XXXX   XXXX . Called City on  XXXX   XXXX  taxes still not paid and as of  XXXX  Tax lien will be placed. Called Shellpoint again very upset and they finally got in touch with tax department in their company and states " Check is being overnighted as of today. '' So  Shellpoint lied about a tax payment being sent and now the City will do nothing to stop the lien from being placed. I feel this is very unbusiness like and now  I will have a tax lien placed on my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 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: VA

Complaint narrative:
Hello, I have been a Federal Government employee for the last 7 years and after paying towards my student loans during this entire time, I recently found out I was not eligible for the  Public Service Loan Forgiveness Program b ecause not all of my loans were Direct loans ( many are  Federal Family Education Loan Program l oans ). I was told years ago that as long as I was paying towards my loans, they would be forgiven after 10 years. I submitted the certification paperwork this year but have not received a response from the Department of Education despite submitting this information months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 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: ERC
State: IL

Complaint narrative:
I previously disputed this debt with   XXXX   XXXX   on   XXXX   XXXX   via certified letter to the Credit Bureau and   XXXX   XXXX  . I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: AAA Collections
State: SD

Complaint narrative:
This company filed a lawsuit, and gained a judgement. Following that they sought a garnishment of my wife 's wages. They never served her with paperwork and have no proof of service as is required by SD codified laws.     http : //sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?  Type=Statute & Statute=21-18-11  They incorrectly served ONLY her place of employment and illegally had more than   XXXX   % of her disposable income taken from her check to the amount of approx. {$700 .00}. This is illegal on more than one  level.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
This is a unknown medical bill listed on my credit file which I have disputed and nothing has been given for validation please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
In  XXXX  of   XXXX  , I applied for and was approved for an  XXXX  branded credit card issues by US Bank. The promotional terms were  XXXX   XXXX   XXXX   XXXX  points after my first purchase. The terms or my satisfaction of them have never been disputed by US Bank. However, I have never received the points in my  XXXX   XXXX  Account  (  #  XXXX   ) . I have called every  six  weeks since  XXXX  to resolve this issue. I call  US  Bank and they say to call  XXXX   XXXX .  XXXX   XXXX  reports they never received the miles. US Banks tells me to wait. On my last call, I was told by US Bank that after a new statement was generated they points would transfer, as they were " pending. '' I did so and the points from the new statement did transfer, but not the  XXXX  points I was still due. Upon my most recent call, the supervisor at  US  Bank refused any responsibility for resolving the situation and made a number of spurious legal claims about the situation, and did not recognize the " pending '' issue claimed by the previous representative.  XXXX  still says they never received the miles. I have attached all the relative documents detailing the transactions and the discrepancies. It is US Bank 's responsibility to resolve the situation, not  XXXX , per the terms of the promotion agreement and my satisfaction of 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 non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alorica Inc.
State: TX

Complaint narrative:
They contacted my sister in law 's father attempting to reach me advising that I had an outstanding debt. His phone number and address has never been associated with my name or otherwise. I am not even sure how they were able to contact him. He asked multiple times for them to stop calling but they did not and kept calling for months. He finally was able to get the information to me and I was able to call 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 non-monetary relief
Consumer complaint received 2017-04-21 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 reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old accounts have n't been removed. These are the following accounts in which I am asking to be removed from my credit file.     Account   XXXX   XXXX    XXXX  I am no longer liable for this account.     Account  XXXX   XXXX  I am no longer liable for this account.     Account  XXXX   XXXX   XXXX  I am no longer liable for this account.     Account   XXXX   XXXX   XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 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: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
This bill was paid a while ago.This should not be on my credit report! I have been rebuilding my credit over the past 2 years and I take my  credit score a nd report very serious. This came up today when I applied for a home loan pre-qualification. I  may  be denied because of this and I need this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
my federal loan was with direct plus. When they consolidated all my loans my new loan was w ith Navient.  My loans went from  XXXX  to  XXXX . the fees are through the roof. I tried to set up payments under the student loan forgiveness program. The told me not possible because they purchased my federal direct federal loan. I explained that I was a public service member for the united states  XXXX . the only options that have provided is a forbearance. I saw in the news about  the Navient law suit  issues and was given this site to file a complaint from   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a free credit report on Experian 's web site and was charged  XXXX  a month instead. This is what the page says : When you order today, you 'll get : Free Experian Credit Report Report Refreshed Every 30 Days on Sign In Toll-Free Support Available 7 Days a Week Experia n Credit Mo nitoring Alerts FREE Completely Free and Easy Experian agreed to refund my current month 's charges, but NOT the charges from the month prior, for which they sent NO email, invoice, or any record that I was being charged. I only discovered it on my credit card statement, which of course reflected the PAST month 's charge. This is a trick. My credit card refunded my money, but I do n't want others to be duped by this unethical practice.

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 2017-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for and received a credit card from  Citi.  When I applied for the card, I added my son as an authorized user and informed the Credit Card  Company re presentative that he lived in my home state and we would be using the card to make purchases for a business venture to open a barber shop. After numerous attempts to use the card and having purchases declined, then speaking with  Citi fraud  department representatives to have it re-instated, I contacted  Citi ( in  writing and by phone ) and requested that they cancel the credit card as using it was a nuisance and constant disruption when contractors would show up to do work and the card would decline the purchase. I assured them that I have every intention of paying the card balance as I am very credit worthy. The representative from Citi told me that they would not cancel the card unless I agreed to speak yet again to a member of their fraud department and re-instate the card. To date, the card has not been cancelled as I requested. How can a credit card company force me to keep a credit card open?

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