vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I can not keep up with the payments. When I first graduated I was unable to pay because I was looking for a job. Navient offered me deferment and forbearance options I took them. Now I am unable to pay because the interest was so high that my payments are {$1300.00} a month! There is no way that I can pay {$1300.00} a month, plus my rent, utilities, car payment ... on a XXXX salary. What started as a XXXX loan amount has mushroomed into a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 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: WI

Complaint narrative:
I consolidated my student loans in XX/XX/XXXX ( after finishing XXXX ) in order to begin paying them off. I have been paying my student loans back now for 14 years ( currently {$740.00} a month ), have never been late or missed a payment, and worked for 9 years at a XXXX ( i.e., XXXX XXXX ), and now work for XXXX. at the XXXX XXXX XXXX XXXX XXXX XXXX where I have been employed for 4.5 years. However, I recently learned that I do NOT qualify for any student loan repayment programs since my loans are a consolidated FFELP. I was never counseled when I consolidated my loans with then XXXX XXXX ( now Navient ) about the difference between how my loans are consolidated and the benefits of a direct consolidation, which would have made me eligible for student loan forgiveness this XX/XX/XXXX. Do I have any recourse? My income is not bad but this {$740.00} a month is a huge amount that is making it hard to stay caught up and save. I feel I 've been prayed upon by these companies as I still have {$110000.00} left on my loan that was originally around {$170000.00}. 
I attended California XXXX XXXX XXXX XXXX, XXXX XXXX where I graduated with my XXXX XX/XX/XXXX. I subsequently did a 2-year XXXX and 2-year XXXX prior to reconsolidating my loans in XX/XX/XXXX. As I mentioned, I have never been late or missed a payment on my student loans, am XXXX years old, and was very discouraged when I recently realized that I do NOT qualify for ANY student loan repayment option unless I reconsolidate my loans again into a direct consolidation. Ironically, I just recently made the final interest payment on my loan. So, now just the principal is left. So, refinancing is tricky. But, if I do n't refinance, I 'll be paying {$740.00} a month until I 'm XXXX years of age. Needless to say, I am still renting an apartment as I have not been able to save enough to by a home. Additionally, after not missing my first four years of payment, XXXX XXXX ( or it may have been a different company at first but then went to XXXX XXXX and then to Navient ), my lender reduced my interest rate to 1.85 %. However, when it went to Navient, my interest rate somehow jumped to around 4.3 %. It is now back down to 2.75 %. Please help if possible. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My credit card payments remains same as I make payments every month for more than 17 months and I do not use the card I pay above minimum monthly payments since the day I received this card they keep on charging me fees every month even though I pay every month

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Prince Parker & Associates
State: OH

Complaint narrative:
This company called me and asked who my mom was before they introduced themselves to me or informed me that they were trying to collect a debt. Very unprofessional in their handling of this situation. I was hung up on three times and heard some very rude statements about why we did n't pay the bill sooner. We never received a final bill from XXXX XXXX XXXX after switching to XXXX. I am authorized to make changes to the account with XXXX XXXX XXXX but the account is formally in my mom 's name and our access to the account was revoked the moment we switched. Three months later we 're getting calls from this collection agency without a detail of the bill that is well over the amount we should have owed and they wo n't offer a contact number to verify the amount of the debt. Even stated " Tell your mom good luck in resolving this '' before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Derogatory impact on my credit score. Harassing by telephone to myself, friends, and family impersonating law enforcement. They placed a charge off on my credit in the amount of over {$19000.00}. I do not owe this amount and have never been issued or granted this amount of money. XXXX needs to remove this false information from my credit history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO

Complaint narrative:
When I remit a payment by paper check to ECSI, the student loan servicer for Perkins loans issued by the University XXXX, I indicate on the check and on the remittance stub that the proceeds of the check are to be applied to the current month 's payment as well as to the next month ( s ) payment. For example, if the monthly payment amount is {$43.00}, then I will write a check for {$86.00}, and will clearly indicate on the face of the check and on the remittance stub that the payment is for the current month and the next month ( e.g. XX/XX/2016 and XX/XX/2016 ). However, ECSI does not apply the payments correctly. Instead, they apply the full balance to satisfy the current month 's obligation and apply the remainder to reduce the principal balance. They then fail to apply a payment for the next month and assess a late fee for a missed payment. ECSI then sends out a billing statement that indicates that the account is past due, that a late fee has been assessed, and that the account will be reported as delinquent to the credit bureaus. Upon contacting ECSI to resolve the issue, I am routinely informed by their customer service supervisors that their current payment application system can not accommodate such requests by borrowers to apply payments across multiple months. They often agree to waive the late fees as a " courtesy, '' but can be quite rude during the whole process. Moreover, when I request documentation regarding how payments are applied and documentation regarding the credit reporting status for the account, the customer service supervisors refuse to provide the information and instead state on the phone that the fees were waived and there are no issues that would require them to send documents. 
ECSI routinely refuses to apply payments as requested, and knowingly and willingly violates the wishes and clear intentions of borrowers making payments. They do not allow borrowers to prepay on accounts, and instead assess late fees and threaten borrowers with negative credit reporting despite the fact that the borrower 's account should be and is current. In order to have payments reapplied correctly, I have had to call them and be subject to the intimidating and harassing tone of supervisors who only reluctantly correct account servicing errors such as those described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I applied for and was approved a HELC Loan, last month XX/XX/XXXX I made my final payment. Due to the min monthly interest having been automatically drawn from my checking account a day before my final payment from an external source came through, a credit balance of XXXX. I have contacted the bank on several occasions to determine why to this date XX/XX/XXXX my money has not yet been refunded back to my checking account. Initially I was told the refund would occur within 5 business day, then was told a secondary communication to the appropriate department would prompt my refund. The following time I called I was told " We never refund HELC money until the " End Of A Cycle '' i.e. XX/XX/XXXX. However to this point XX/XX/XXXX STILL NO REFUND? I feel as though I am being given a run a round, please assist me in this matter. The name of the financial institution is BBVA Compass Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
Due to an illness, I was unable to work for a period of time. This caused me to fall behind on my mortgage payments. Currently, I am working, receiving Social Security and a pension. My goal is to keep the home, and I have demonstrated my ability to make payments. I have sent the mortgage company five ( 5 ) payments via XXXX. However, US Bank has not acknowledged receipt of the payments. As verification of the same, I am attaching my receipts. The dates and payment amounts are as follows : XX/XX/2017 : {$1600.00} - represents three ( 3 ) payments of {$550.00} XX/XX/2017 : {$1100.00} - represents two ( 2 ) payments of {$550.00} I have been corresponding with the lender, and they gave me a deadline of XX/XX/2017 to bring my account current. The letter is attached. 

I am concerned that I am in the foreclosure process when payments are current with the lender. It is difficult for me to get in touch with my point-of-contact at U.S. Bank. The City of XXXX housing counseling office has worked with me to reach to the lender, who did not acknowledge receipt of payments and to the lender 's attorney, who denied filing foreclosure papers. 
If you have any questions, please contact me at 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 2016-04-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
This loan from XXXX XXXX has charged me more interest than I ever thought I would have to pay. For a XXXX dollar loan they are trying to make me pay back XXXX dollars. In addition, they took XXXX payments out of my account at the same time. I want to resolve this loan by paying the difference between XXXX and the XXXX that I have already payed, which would mean my balance should be XXXX. Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Mortgage company was notified of failure to pay property taxes on XX/XX/2017. Multiple phone calls were made trying to find out when a check would be cut. XX/XX/2017 was told it would be paid before the XX/XX/XXXX. Called today XX/XX/2017 and was told it was still being researched and would not be done until XX/XX/XXXX. This is the opposite of what I had been told all month long. Now no one will send me an email stating I am not responsible for penalties after XX/XX/XXXX nor will they confirm when property taxes will be paid. I want property taxes paid by XX/XX/XXXX and if not possible I want in writing stating I am not responsible for ANY FEES OR PENALTIES for lack of timely payment. So any FEES OR PENALTIES after XX/XX/XXXX are the mortgage companies to pay. I need my taxes paid now.

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 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Services, Inc.
State: AZ

Complaint narrative:
Thank you for your time. I 'm not sure who to turn to so I will try this in hopes it is the right place to go. I will write a summary and attach supporting docs. Many years ago I went through a really hard situation one which I hoped I would not visit again. In XX/XX/2012, I had an XXXX and went to see my original XXXX and she had me see XXXX who said my XXXX from the injury. I did not have the XXXX with him, I cancelled it because of the research I found on him, and because of my feeling after my contact from meeting with him and the offices follow through. He immediately sent a XXXX bill to a collection agency Account Recovery Services for a XXXX I did not have. After exhausting my efforts I had to hire a Lawyer in XX/XX/2012 to help me. The Lawyer sent a letter that asked them to respond in 30 days and that the services were not rendered and if they did n't respond we or assume this matter is closed. We never received a response. I have n't received anything from either party and many years have passed. Around the same time I had gone through a divorce and bankruptcy. Over the years I have worked really hard to rebuild myself and my credit to buy a house for me and my XXXX year old son. With hopes to get a house soon I recently viewed my credit report and saw this bill appears on it and should not. XXXX disputed it and Account Recovery Services will not remove it and say I still owe the debt. XXXX suggested I call and ask information on it so I did. They transferred me to my Account Rep XXXX and he said I still owe the debt for Services rendered and he confirmed he did have my Lawyers letter and that they do n't have to respond in the 30 days and that they still plan to collect. He said to have my Lawyer call. So I started researching everything again because of all the time that has passed. I found out that XXXX has passed away. That also since XX/XX/2012 a XXXX year old woman has died after his XXXX. Which reassured me I made the right decision and it made me extra grateful that I did not have him do my XXXX. I need help. I do n't know why after so many years have passed that they still say I owe for something I never received and that they plan to collect and did n't have to respond. Especially now that the Doctor is n't even alive. Please let me know what I should do and who I should contact. I really need help getting this bill off my credit report and making sure Account Recovery Services does not try to collect it now after 4 years later. Please let me know what other information you need. I really appreciate your time in reviewing my situation. Thank you so much. Warmest Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX at API ( debt collection agency ), instead of calling me, called my family and friend leaving a message for me that if I did n't call them back today to discuss a claim, that legal action will be taken in XXXX XXXX. When I called them back, XXXX was in a meeting and I talked to another man who told me that if I did n't come up with the {$680.00} down payment ( 10 % of the bill ), in 24 hours, they were going to forward my claim to XXXX XXXX to serve me at home or at my work. I told him that I could not come up with this within the short amount of time and he wished me luck.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a company, XXXX, reporting information that I feel is incorrect based on the document that I have. Equifax has not provided me with their proof in order for me to verify. I checked with the county court of public record last year and the only document that was on file contradicted what was reported by XXXX on my Equifax report. I am looking to have the information correct. However, if the information is not accurate, I 'd like it removed because I would 've already suffered a higher penalty for the inaccurate information. I also had an issue uploading documentation that supports my case. That document is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent Equifax a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and Equifax responded with the same response. I am asking that you force Equifax to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to get a mortgage for a house and the lender went to pull my credit. XXXX and XXXX both came back with good scores as a result of the XXXX credit cards I have ( XXXX and XXXX ). However, Equifax would not give me a report saying I have no file. I spent three weeks and many hours on the phone with them to resolve this issue. They tell me that the only way for it to be fixed is for me to update my file by having one of my credit cards report to them. Upon checking with both cards, they both do in fact report to Equifax ever month and even sent an off cycle report. According to Equifax none of these reports have been received and they are unwilling to fix whatever it is that is causing them to lose them or not get them entered into their system. I need them to find these reports that are being sent to them and update my credit report. Any help is much apprecitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP
State: GA

Complaint narrative:
I have a loan with Republic finance. My wife went in to pay XXXX on my account and the cashier charge her XXXX when my wife looked the receipt upon walking out of the door she noticed the XXXX. So she asked the cashier " Whats going on '' and the cashier proceeded to play stupid. At that moment, my wife asked for a print out of my payment history. When l looked over the history I noticed payments lower than I had paid. My account balance is n't right - not even close. I should owe right at XXXX. I found it odd when I first went to make my first payment the cashier told me they do n't take debit. Now I see why because they are beating the customers. I 'm sure I 'm not the only one they are stealing from. The extremely high interest they charge loaning to customers they know will never get out of the loan does n't seem to be enough for Republic finance. Also, I 've never been late. I was told I had a ten day grace period so why is it showing in my faulty pay history as being late. My Balance is far from right and I expect for it to be fixed. I reached out to the corporate office and have yet to hear anything back from them. I do intend to take further action. Republic finance should be fined and put out of business for stealing from customers and luring them into more costly loans. Also I never gave finance Republic to give out my payment history to anyone not even my wife which is also violation since her name is n't on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I submitted a loan modification to Rushmore loan management. My income was more then enough to qualify. The day I submitted the file the Rep spoke to me and my assistant helping me on the modification and he stated that he " did not like the file '' and he would not submit it to underwriting. He sounded like he was not fully " sound '' or he was on some type of drugs or medication. When I brought this to his attention he got more upset and would n't transfer me to a supervisor. He then told me I was at the 38 day period prior to my foreclosure sale date and he would do everything in his power to kill my file. I went to court and had the sale date moved 14 more days and than resent the file and requested a new account rep. I got a new rep and the file was sent to underwriting and then declined. I sent an appeal and I was told because I had a foreclosure within 90 days they would not review my appeal. I did research and found out once they have a full modification file 38 days or more before my sale date they are supposed to place the foreclosure on hold which they did not do, than they are supposed to allow me a 30 day appeal process no matter what and they did not do this either. I believe this account rep stayed on top of my file and made sure it was denied due to my race and his prejudice towards me. XXXX was the point of contact that fought with me and he made a personal decision to decline moving the file to underwriting. His phone line is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc.
State: UT

Complaint narrative:
My family and I keep getting calls from XXXX. 1st recovery, they are collecting on a supposed debt from 2011. I have asked them not to contact myself or my family and they keep calling my family members anyway.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
There is an account that is unknown that is a mistake listed on my personal credit file. I need help I tried fighting this with no outcome

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief