vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Re : AUTO PAY wrong info given by Rep on XX/XX/2018 - called placed to Navient at XXXX XXXX  ( Central Standard Time ) First of all my payment are due on the XXXX of each month to Navient. 

On XX/XX/18, I setup auto pay on their site. Finally, I got a emailed approving request on XX/XX/2018 saying that it would start in XXXX. ( Receiving this on XX/XX/2018 is not TIMELY ) XX/XX/2018, I called Navient @ XXXX XXXX  and spoke to a rep informing him that I did not see where my payment was set for auto pay on XX/XX/2018. The rep assured me that it was set to be auto deducted on XX/XX/2018 - Well, it wasn't! Instead I got email from them on XX/XX/2018 asking me to log in and check my account. When I logged in XX/XX/2018, I found big bright red writing telling me that I had missed a payment and that I could be charged a late fee. So, while I was on the site I went ahead and submitted a pay for {$140.00} for XX/XX/XXXX. If the rep had known what he was talking about on XX/XX/2018, I could have submitted my payment then! 

I signed up for auto pay because they tell customers you can get a 0.25 % reduction interest rate - My payment went up {$5.00}. It is now scheduled for auto pay for {$150.00}. 

on XX/XX/2018 at XXXX XXXX, I sent a email to : XXXX telling them the same thing that I am telling CFPB. 

on XX/XX/2018 @ XXXX XXXX, I called Navient and spoke to XXXX, employee ID XXXX, I told her about me calling Navient and speaking to rep on XX/XX/2018 and asking him about auto pay for XX/XX/2018 because I did not see it on their website. He assured me it would be deducted on XX/XX/2018. I also told her I was concerned about late fees and reporting to credit bureau. XXXX said no late fees would be charged and that Navient only report to credit bureaus if payments are 90 days late - Well, after the experience with the rep on XX/XX/2018, I don't believe it - my confidence in Navient CS is zilch!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCI Financial, Inc
State: UT

Complaint narrative:
I have a balance owed with this company ( the Collections department. ) They repeatedly call with no one on the other line when I answer. They also call and do not leave messages, and then email me that they were unable to reach me by phone. I have emailed them to set up payment arrangements but told them in the email not to call me before XXXX because I am working during that time, and that email is the preferred method of contact to reach me. Even after that email sent XX/XX/2018, I have received two more calls since, where no one was on the other line when I picked up. This is very disruptive and harassing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is a complaint about my XXXX XXXX, which is handled by Citibank , N.A . 

I had setup automatic payments of {$27.00} per month for my credit card, however, the payment was posted approximately 5 hours after midnight on the due date for XX/XX/2018. This seemed to be due to a delay in handling by the credit card company. 

The credit card company charged a {$27.00} late fee, and when I refused to pay that late fee they charged another {$36.00} on top of that. They later reversed the late fee for XX/XX/XXXX, but refused to reverse the one for XX/XX/XXXX. 

In addition to charging fees for problems that appear to be caused by their processing department, the way they apply payments is deceptive. When I make a payment online, the website clearly states that payments will reduce the balance I owe on my 6 month no-interest plan. However, in reality, payments are first applied to any fees before the balance. This has the effect of increasing substantially the amount that they receive in finance charges since the finance charge for the balance is accumulating over a period of months, whereas the finance charge for fees only starts to accumulate from the time the fee is assessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On Friday XX/XX/2018, I conducted a conversation with XXXX XXXX XXXX XXXX XXXX XXXX regarding the late fees and interests charges to my account. In speaking with a representative, I was told that my payment was received, however the form of payment was not shown. I explained to the representative that I made a full payment of {$160.00} on XX/XX/2018 putting my account into a XXXX balance owe. This amount was reported by the automated system upon making the payment. The representative was unable to assist any further. I was then transferred to a Supervisor to further discussed my grievance. I repeated what was stated to me by the representative prior. The supervisor then explained he was not certain where the previous representative was looking for this information. He stated when my payment was received and indicated that my balance was {$180.00} and that is what i was responsible to pay. I repeatedly disputed this amount with him stating that its was not the correct amount owed and to further investigate. In which i was told no further result would come of it. We were not able to resolve this matter. I would strongly like an investigation to be done as this is now beginning to affect my credit rating as well as negative reporting due to the companies lack of investigation. Thank You for you time, Ms XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: NY

Complaint narrative:
I have several student loans with Navient. I just graduated college in XX/XX/XXXX and received a notice from Navient that my repayments would be begin in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I checked the Navient website and it stated no payment due until XXXX. As of XX/XX/XXXX they charged me interest for XX/XX/XXXX and XX/XX/XXXX,  and a late fee from 2008 (?! ) and are requesting a triple payment. When I called to inquire they stated my school had not updated the clearing house until XX/XX/XXXX. They said I owed all of the payments, interest and late fees regardless of the fact that this was an issue between my school and Navient. Best of all they offered me a Forbearance. That way they can tack on more and more interest to my student loan debt. I have called them twice and they refuse to help me other than to give me a Forbearance. I did everything I was supposed to do but yet I am getting hurt financially by a company that makes billions. I'm one student in America. How many other students are they doing this to? It's criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a mortgage with Santander Bank that is close to payoff because a sizable amount of extra money is applied to the principle each month. I made my XX/XX/XXXX payment including extra principle and Santander received & deposited the checks but did not apply the payment to my account. Up until XX/XX/XXXX, my checks were received and deposited by Santander but starting in May, the merchant name changed to  XXXX XXXX. I have made several calls and was finally told by Santander Mortgage Service on XX/XX/XXXX that my XX/XX/XXXX payment has not been recorded. I've spent time with rude Collections people and nice Mortgage Service Specialists who were not able to help me other than to give me an e-mail address to send canceled check copies to. On XX/XX/XXXX, I sent check copies and a spreadsheet showing what my payments were and what my balance should be. I have received one statement dated XX/XX/XXXX, and the loan balance on that statement went up instead of down! It is now XX/XX/XXXX and there is no acknowledgement from Santander that they have the information that I sent and are working on resolving the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on Transunion 2. XXXX  XXXX on Transunion and XXXX  3. XXXX XXXX on XXXX  4. XXXX XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been disputing with Equifax since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few failure to notate account is disputed by consumer, loan type incorrect, balance amount wrong, how is it scheduled payments on closed account.Theres a lot more errors please see attached files. 
Also XXXX XXXX  Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few failure to note account is disputed by consumer, charge off amount different from balance, original monthly payments inaccurate.There are a lot more errors on account please review attached files. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. 
Additionally XXXX XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well.Just to name a few failure to notate account is disputed by consumer, debt buyer who bought debt not listed.Please see attached file for additional errors. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.

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 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used their service in XX/XX/XXXX or XX/XX/XXXX and ultimately had medical issues that forced me to fil for Bankruptcy in XX/XX/XXXX. 

Today, after more than a year, I received a call from XXXX XXXX at XXXX  ( she claims is a collection company working for XXXX. Her phone number XXXX ext XXXX. She has called my home, my cell and my work today to threaten to send an officer with paperwork tomorrow morning. 

I reminded her that I had filed for bankruptcy and she said they would file another type of charge against me if I didn't agree to pay a settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: CO

Complaint narrative:
I received a collection notice from RMS collecting an outstanding debt for XXXX XXXX XX/XX/XXXX - received a collection bill stating I owed {$490.00} for an outstanding invoice from XXXX XXXX XX/XX/XXXX - received another statement for the same amount. I called RMS to inquiry " who is XXXX XXXX ''. The attendant googled XXXX XXXX and read me the description of the company that is on the internet. I requested a copy of the contract showing that we ordered this service. 

XX/XX/XXXX - Received a letter from RMS stating " the information I requested is attached '' ( which was just 4 invoices from XXXX XXXX ) no contract was attached. I called the company, XXXX XXXX themselves and they gave me a past employee name, XXXX ordered the service 5 years ago - Again I asked to see a copy of the contract. They were rude and very short with me. I stated I have never received an invoice nor paid an invoice in the past 5 years from them, they stated they were emailing them to XXXX. ( XXXX hasn't worked here for approx 5 years ). I do all the accounting here for the company - No invoice was ever paid to them - they state I owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX service. 

XX/XX/XXXX - Received a collection letter from RMS, stating the information I requested was attached ( again, just a copy of 4 invoices )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX  year of male seeking a reduced apartment community. Needed a one bedroom apartment in XXXX zip code area. Was refused the apartment on a credit report. Only two accounts out of eight were delinquent. Both medical accounts and were dated XX/XX/14 when I was trying to get XXXX which took 3 years. Those 3 years I was unable to work and had no earnings to pay the bills. I had no idea I was delinquent on paying the medical bills. One was a bill from XX/XX/2014 with a past due of {$73.00}. The other was a bill from 2014 with a past due of {$100.00}. I've never had any convictions or driving accidents since I was in my XXXX 's. I lost an apartment because of this report. I plan to pay the {$170.00} now that I know I owe that much. It feels very unfair that I can not get a low income apartment because of this report. I'm back on a waiting list and will have to live with my XXXX XXXX XXXX parents who supported me when I had no money coming in. The report came from ONLINE Information Services, XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX has taken over 4 of my loans and I have been making monthly payments since XX/XX/XXXX. My payments started out at {$220.00} and now they have doubled and just increased again. This is outrageous as a single mother living/working in one of the most expensive areas in the United States. I am suppose to be on the 120 payment plan meaning that I have 87 more payments to make and my loans should be paid off, but 3 of my loans are showing that I still have 97 more payments. So the XXXX XXXX is taking 10 extra payments from me with no prior acknowledgment? This is outrageous especially for a person who has consistently paid them each and every month since XX/XX/XXXX even at their outrageous repayment options that make it difficult to afford day to day expenses. My 4th loan they have is also my largest loan amount with the highest interest rate. This loan started at {$20000.00} and is now at {$21000.00}. I feel like they have purposely taken my payments and applied them to the loans with the lesser interest, thereby causing my 4th loan to increase and forcing me to owe more money.

The XXXX  was contacted on XX/XX/XXXX and they corresponded with XXXX XXXX on my behalf. XXXX XXXX only responded that a formal response will be sent because a Consumer Relationship Analyst Team is diligently researching this issue and the XXXX complaint was marked unresolved. I still have not received anything in the mail from them. I think this is funny because it only took XXXX XXXX  one week to recalculate my new increased payment amount but they still haven't contacted me regarding my complaint.

Company response to consumer: Closed with explanation