vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 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: Meridian ARG Inc.
State: NY

Complaint narrative:
Someone named " XXXX XXXX '' left a message on a family member 's voicemail saying there are two pending charges against me and threatening to arrest me. From this number : XXXX. PLEASE do something about this, it has been very scary and the fact that they contacted a family member is infuriating.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
( Federal & Private Loans ) One of My main distress as a Navient loan borrower is that this entity has misled main core accountability, and as well as failed to execute its central part commitment in the servicing of student loans, breaching the Federal consumer financial laws ( Assembly Bill No. 2251 ) as well as the confidence that borrowers positioned in this entity. Most Federal and private loan student borrowers have a right under federal law to hand-craft their/our monthly student loan payment as a share of their income, an arrangement that can offer borrowers extended payment relief, and other significant benefits. Additionally, Navient escorted us as borrowers confront economic destitution that was not short-term or provisional into lavish payment liberation intended for borrowers engagement short-term financial problems, before or instead of affordable long-term repayment options that were more outrageously advantageous to them ( Navient ) to make the most revenue as a for-profit in light of their financial situation. In addition, in essence to Navients beneficial most profit situation on their behalf ; I feel that this entity has the most interest to make the most profit with student loan borrowers as oppose to helping the higher learning individual prosper. Lastly, it is so sad that this Company ( Navient ) is responsible for this action which reflects my fortune of student loan debt. I went from owing $ $ a set amount to an extreme amount of money due to these type of processes. 



XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I received my XXXX in XXXX, XXXX in XXXX and injured at work in XXXX. I am unable to pay the XXXX of student loans since I have n't been working. Please email the process, links and information to file for the lawsuit against XXXX. 

Thank you for your prompt attention to my request. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I opened a credit card at a merchant when purchasing lawn furniture and hot tub. I was told the furniture had no interest if paid in XXXX months and the hot tub, no interest if paid in XXXX months. I have been paying over the minimum payment all year, and now received a call that Wells Fargo, the card issuer, is charging interest. I am baffled, since my balance is much lower than the lawn furniture cost, since I paid more than the minimum every month. Now, the woman is explaining it is XXXX different types of promotions and it depends on the way they applied the payments. I am very upset with how poorly the promotion was explained. I have been fortunate enough to use deferred and no interest offers through different banks and never had this problem! Wells Fargo needs to be reigned in.

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 2017-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I took out XXXX different loans with Personal Finance Company back in XXXX. I had paid these down by several hundred dollars each. I fell behind XXXX month and mailed them XXXX checks to catch up the amounts I was behind on. Not long after I received a letter from an attorney for them. I called the XXXX XXXX office to find out what was going on and they claimed that they did n't receive my payments. I made payments then over the phone and was told I would be sent an agreement by mail from the attorney and everything would be taken care of. They began reporting me as over XXXX  days late on my credit report which was NOT accurate information. The attorney eventually mailed me the agreement to sign that I signed and returned to them, agreeing to make my payments as outlined. The next day I got served papers by the court. So nothing they told me was true. From then on I had a very difficult time getting any of them to contact me back about any of this. I requested multiple times for them to mail me my payment history with the remaining balances on my accounts because I felt that they were claiming I owed a lot more money than I did, and I was uncomfortable sending even more payments when they were n't being reflected on what I owed. I reached the point where I had given up getting clear information from them. Several years have passed and they have been reporting me as over XXXX days late on my credit report every single month. They never did fix the initial late credit reporting that was inaccurate. This has ruined my credit and caused my family a lot of detriment. I have tried to resolve this but I have no idea who is the correct person to contact and after mailing letters to their corporate office and trying to contact the attorney I am getting no where. I am trying to set this account straight even though I was grossly misled by this company. Their credit reporting is extremely unfair and they will not even get back to me so I can try to negotiate anything. If they ca n't report accurate information than they need to delete their reporting on 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 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After the Equifax security breach I signed up for the free one year TrustedID Premier credit monitoring. I received the email to enroll on XX/XX/XXXX. I attempted to sign up that day and received an " enrollment error '' and a message to call XXXX. I called that number and waited on hold, provided my info and was told that it was the wrong dept and to call XXXX. I called that number and waited on hold, provided my info, and was again told wrong dept. I was then provided XXXX. That number too says they are the wrong department and suggests calling XXXX ... the number I began with. 

I called back the next day and encountered the same ordeal. I also have called back today, XXXX XXXX, and experienced the same thing. So after XXXX hours on the phone total I am no closer to being able to use the credit monitoring. 

Equifax is responsible for releasing my credit/financial information without my permission and is now failing to uphold their offer of a year free credit monitoring by putting consumers in a never ending loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: FL

Complaint narrative:
The latest shady experience I 've had with Discover Student Loans took place today XX/XX/XXXX. I had been double charged for a student loan payment on XX/XX/XXXX when I signed up for a repayment assistance plan. Needless to say, getting double charged was the last thing I needed. So, I called Discover Student Loans on XX/XX/XXXX when I noticed on my bank statement why my balance was so low ( double charged ). I spoke with the repayment assistance department and they agreed that they had double charged me and said they would process my payment refund immediately. The person I spoke to even confirmed my phone number and asked if he could call me if there were any issues processing the refund ... Well, today, XXXX days after I made the call I still had not received the refund. So, I called again, explained, and after being put on hold the person I spoke to said that they had just sent the refund by mail TODAY ( seriously?! ) and that it will take an additional XXXX days for it to arrive. Clearly, they were not planning on refunding my payment, and then to top it all off they sent it by mail instead of refunding it directly to my bank account. This is the third time in XXXX years I 've experienced an unscrupulous practice from Discover Student Loans. I will also submit a complaint for those other instances because enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I 've been attempting to enroll my wife in the free Equifax/TrustedID credit monitoring program for the last XXXX weeks. 

After submitting the initial data for the enrollment she received an email with a link to continue her enrollment. When she attempted to use the link it indicated that she 'may ' have already enrolled and to just log in. Login was not possible because a password was never generated and/or received. 

I called the customer service number and the agent enrolled her over the phone and said she would receive an email to sign in and get a password. No email was ever received. I attempted to request a new password with the 'forgot my password ' link but no response was received. 

A second call to customer service confirmed she was enrolled and suggested trying the 'forgot password ' ; when I told her we had tried that several times with no response she gave me another number. I 've been on hold to that number for XXXX now. 

The recorded message suggests logging in to help.equifax.com to 'chat ' with a CSR.  There is no 'chat ' function to be found on that or any other equifax pages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For three months Experian has denied me access to my credit report online subsequent a previous dispute. The report number is -- -- -- ( on email files attached-note various dates XXXX. Screenshots ( note XXXX data ) supporting the denials are also attached. 

According to info supplied by a credit card company, there have been unauthorized hard inquiries placed on my credit report XXXX only Experian, no other credit reporting agencies XXXX which negatively impact my credit score by XXXX points ; although my credit is still in the very good to excellent category with all three credit reporting agencies. 

However, Experian continues to deny me online access while simultaneously trying to sell me products and/or services of XXXX ( screenshot attached XXXX ; and I am unable to obtain the identity of the inquiries.

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 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Hello - I am one of the people who has had my Equifax consumer credit info compromised. I recently ( XXXX/XXXX/XXXX ) contacted Equifax to put a freeze on my credit, in response to their hack & failure to protect my confidential info. I was told by the representative that I would FIRST have to sign up for their TrustedID credit monitoring service before I could freeze my credit. I had identified myself as one of the breach victims. I let the representative know that 1 ) I had no intention of signing up for TrustedID as it would require me to give up any legal remedies ( and is not free after 1 year ) and 2 ) I knew his statement was factually, and legally, incorrect. He reiterated that I first had to sign up for TrustedID, so I asked to speak to a supervisor. After being placed in hold for a few minutes, the same representative returned ( not a supervisor ) and he said that I did n't have to sign up for TrustedID after all, and he gave me the URL for the website so I could do it online. I am convinced that if I had been a less educated consumer, I would have been forced to join their for-profit credit monitoring service and also forced to give up any legal remedies regarding the damage to my credit confidentiality. There is no doubt in my mind that people who call into Equifax to freeze their credit are being mislead and fraudulently required to sign up for their TrustedID " service ''. Note : I also placed freezes with XXXX XXXX XXXX ; neither company required me to sign up for credit monitoring or even suggested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a Discover student loan current under repayment. The loan has increased the APRs that are now around 8.75% and the minimum payment is coming to a total of $XXXX per month. The company was providing me with a lower monthly payment ($XXXX) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. Now, they have stopped the lower payment and are demanding me to pay the total minimum of $XXXX. Just to better explain my entire situation, I have another student loan that is paid directly to XXXX University on a minimum payment of $XXXX. So, with both student loans combined, I am required to pay a total of $XXXX in student loans repayment every month. I just graduated from college 1.5 years ago and I'm an XXXX XXXX starting my professional career in XXXX XXXX. This total amount of $XXXX  already corresponds to more than 50% of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food... I have tried to talk to Discover to lower the payment and reduce the APR so I could continue to struggle but at least keep the payment on time but they have refused to provide any help.With an APR 8.75% for the past 5 years, they have already accumulated such a big amount of interest on this loan and they are still extremely greedy about reducing the APR or providing help. I haven't even started to repay the original amount yet. Every payment has been towards interests only. I really don't want to fall behind my payments but I really can't pay their minimum of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CO

Complaint narrative:
Our prior insurance company non-renewed our policy, so we had to pay for our homeowners insurance out of pocket. We requested reimbursement from Arvest Central Mortgage onXX/XX/XXXX, and againXX/XX/XXXX and never received a response.
We called in XXXX and again requested reimbursement from our escrow account. We were then told they needed to do an escrow analysis. We requested an escrow analysis during that phone call. We called and spoke with customer service today XX/XX/XXXX and they still have not completed an escrow analysis. We again requested the escrow analysis XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Between my private loans which I pay now at XXXX a month and my federal loans I cant even afford to do anything with and my interest rate is going up higher and higher I started I think at 60 and now it is up to 80 something! I literally have been putting my life on hold! I am XXXX not married but engaged ... no kids Bc I cant even suport myself for goodness sake and no house Bc I cant get a down payment together nor do I want a huge mortgage! College was legit the worst mistake of my life I wish I could go back in time and never woud have went. It legit is useless Bc I would be making the same without it. Its horrifying and since m loans have been in forbearance this whole time they keep going up but I cant afford them and no one ever told me about this ... I legit get so sick to my stomach just even thinking about them ... there are days where I think about getting into the XXXX industry or something of that sort to just even pay them off with my full time job I have. I am desperate and loose sleep over this every night. I have to pay my private loans back as well and my gosh those are so much as well and I dont know what to do. I am completely lost! Please help. I am honestly begging for help from someone who reads this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
Regulatory Case : XXXX Propose Resolution date XX/XX/17 I have called XXXX XXXX XXXX and spoke to XXXX XXXX who requested I sent documents. I sent the documents and he said, I have a new point of contact, XXXX XXXX XXXX who refused to speak or give me status on modification. He said the sale is moving forward and nothing can stop it. He hang up the phone when I insisted I want to speak with supervisor. He said no once else will tell me anything more than selling the home so, I should not try. I insisted, but hang up the phone. 

I need Bayview to stop the foreclosure and continue with loan modification with documents I sent to them. It is not acceptable to foreclose while modification is not completed. I am not even given a chance to know how much money I owe. XXXX XXXX said nothing can stop the sale. 

CFPB, please escalate this case, and accept nothing from stopping the sale to continue with modification. Bayview is lying that they are working on the case. Their work out is to sell the house as confirmed by XXXX. The resolution date of XX/XX/17 is passed the sale date. They would return a resolution that the home is sold. 

I do not want this, I want a modification to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Received an unusual voicemail from a XXXX XXXX asking to speak to me or my attorney. He did not say what it is regarding. He did not even tell me that he was collecting a debt. Only that I am ignoring the matter " at this point in service '' and they will proceed to any available next steps if they do not hear from me or my attorney. A message like this was sort of scary and made me think that this was an attorney and I am being sued. I do not have an attorney and I have n't been served any papers. I thought that perhaps this was one of those fake XXXX calls so I googled the number. It is possibly XXXX bank calling regarding a card that I made arrangements to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My daughter lost her job ( and is still not working ) and was unable to pay her loan. I am the co-signer so Navient contacted me. My financial situation is not much better. We called Navient in XXXX and the representative was very helpful and said that she would need some materials but she would work to get our interest rate down XXXX It is currently at 12 %. ) and bring our payment down. She also said that we would not have to worry about the late payments because it would all be included in the program. My husband daughter and I submitted pay stubs and other documentation and waited to hear from Navient. After two weeks we did not hear anything so we called them. We were told that we were denied because my daughter showed that she was paying no bills. She was paying cash to her partner for living expenses at the time. Navient then asked for her apartment lease and copies of any bills that were paid by her. This was done immediately. Again, no word from Navient so we called them. This time the Navient representative was rude and condescending. He said that the deal was off the table because my daughter 's account did not work. She gave them all of the information so we did not understand what he was talking about. I told him about our situation and he said that we signed the loan and we had to pay it. I told him about how we were told that we qualified to get our interest and payment down and again he said the deal was off the table. I asked to get the monthly payments reduced and he said again that the deal was off the table. Currently we are paying {$430.00} a month. We were originally told that we would get a {$250.00} payment when they brought the interest down to a normal rate XXXX 4 % I believe ). It will be a struggle to pay the {$250.00} but it is a lot easier than {$430.00}. The explanation given to us by the rude Navient representative made no sense. Why would we be denied because of an account error? We were working with the representative to reduce our payments and then it is " off the table ''. I made the account current and have been paying the loan but I do n't know how long I can keep this up. Is there some way we can get the payments down in the {$250.00} range?

Company response to consumer: Closed with explanation