vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient is still reporting a past due amount on their website and trying to double collect on agreed upon student loan for settlement with the collection agency XXXX, XXXX, XXXX XXXX. 

In the following attachments you can see the settlement with XXXX, XXXX, XXXX XXXX. You can see the payments reflected in the payment history in the second attachment and how Navient is trying to claim a past due amount. You can see in the third attachment the loan is still showing up for payment on their website even though they said after 2 payments it would be taken down. Two payments would have been XX/XX/2018 and XX/XX/2018 so by XXXX according to them the loan would no longer be showing as past due. 

I spoke to Navient in XX/XX/2018 after reaching a settlement with XXXX, XXXX, XXXX XXXX. I spoke to them in XX/XX/2018 where they re-assured me the payments would be reflected accurately on their website. 

In addition as of XX/XX/2018 I can no longer make payments online to XXXX, XXXX, XXXX  XXXX as I have been doing since XX/XX/2018. According to XXXX, XXXX, XXXX  XXXX Navient won't allow it. So I can only make telephone payments through XXXX, XXXX, XXXX  XXXX with no confirmation number to show proof the payment went through. Instead I have to check back later that the payment posted both in my bank account and on XXXX website. This is absurd and an attempt to prevent me from making payments correctly and on time so they can try to trick me into violating our agreement. 

Navient is making payments difficult via telephone only no confirmation number payments through XXXX, XXXX, XXXX   XXXX, Navient is trying to double collect payments on their personal website while showing the account is past due despite a settlement being reached, and Navient is not accurately reflecting the agreement that was reached via their collection agency XXXX, XXXX, XXXX XXXX on Navients website and has not updated it or removed as they promised in XX/XX/XXXX and XX/XX/XXXX to do so after 2 monthly payments through XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: Nelnet, Inc.
State: IN

Complaint narrative:
I have been paying XXXX XXXX XXXX dollars a month since XX/XX/XXXX ( XXXX for the first payment ) .The payments get taken out of my account by XXXX XXXX on the XX/XX/XXXXof each month. I have been worried where the money was going since nothing has changed with my loan status. Also, I had been deferred until XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX because the payment was taken out early. They told be not to worry because sometimes it happens with processing over weekends. I also asked what exactly my payments were going for. The lady told me the payments do not pay on my loan, but they are consolidation payments to be able to have my loans forgiven. I ended up being satisfied with that answer and haven't worried about the payments since. Now I get a letter on XX/XX/XXXX that was dated XX/XX/XXXX that the Federal Trade Commission has filed a lawsuit against XXXX XXXX for deceptive practices. I need to know if I cancel with them, do I get a full refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV

Complaint narrative:
I took out a loan with OneMain Financial for {$7000.00} dollars on XX/XX/2018 My statement dates were the XX/XX/XXXX of each month with a payment of {$270.00} due on or before the XX/XX/XXXX of each month. 

On XX/XX/2018 I received my first statement online and I made my first payment of {$270.00} online XX/XX/2018. The payment breaks down as follows Amount {$270.00}, Interest {$200.00}, Principal {$64.00}, Balance {$6900.00} On XX/XX/2018 I received my second statement and made online payment of {$270.00} on XX/XX/XXXX Amount {$270.00}, interest XXXX, Principal {$60.00}, Balance {$6800.00} On XX/XX/XXXX I received my third statement with a balance of {$6800.00}. On XX/XX/2018 I paid {$6800.00}. To my dismay when I checked my online account I show a Last Statement Balance of {$170.00}? My last statement was XX/XX/2018 and it did not show this? 

On their website it specifically states that this is an interest bearing loan with the following statement. 

The balance shown represents the principal balance upon which interest accrues. The balance does not include any past due charges, such as late charges, because interest does not accrue on those charges. Any payoff occurring after the statement date will include the balance, the loans cumulative past due charges, all fees added to the balance after the statement date, and all interest accrued on the balance after the statement date. 

I paid off four other creditors on the same date and this is the only company that added additional interest when I paid balance in full? What Am I missing other than they trying to rip me off?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
After filing a complaint XXXX requested I submit an affidavit and police report for fraud. I did so and they responded that I am still responsible for the loan even though I did not sign for it or receive any documents pertaining to the loan such as promissary note. They have acknowledge they did not have ab accurate email address for me nor a signature. They are now asking that I resubmit a new affidavit and police 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 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery is repeatedly calling my phone, sometimes 20x a day, and they are spoofing their phone number to come up as random businesses like XXXX XXXX from Illinois, even though they are actively trying to collect debts. They're doing this with the express intent to defraud consumers who should have the right to know the name of the actual business calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last XX/XX/2018, I sent a letter to XXXX including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.

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 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called bank of America and was told they could only refund 1 overdraft fee. In the past if I wanted any of the fees refunded they would comply.

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 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX and had {$100.00} loaded on it. I was charged an additional {$2.00} convenience fee as well. 

I did not realize that when I purchased it that I would need to provide my social security number and birth date with the company in order to use the card and redeem the money I already loaded on it. It also seems like they are going to charge a {$1.00} every time I use the card. I am not looking to have a financial relationship with the company and have no intention of reloading the card. I simply want to access the {$100.00} I already put on it without paying a fee every time. 

The phone number they provide does not have an option to speak with a customer service rep. It disconnects you if you do anything but follow the activation instructions. it is the only # the company provides and they market it as a customer service line, including for questions or refunds. 

I have sent emails to the company as well and get non-specific messages back that tell me they need more info but don't ask for anything in particular. Just my phone number.

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 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Herbert P. Sears Co., Inc.
State: TN

Complaint narrative:
I joined the military in XX/XX/2015, at that time I had to have my braces removed early due to my military orders. The original creditor agreed to remove the braces early and terminate the remaining payments on the contract. I do not owe the original creditor. Since that time the current debt collection company continues to report a debt of {$1700.00} on my credit report. This is false information that I would like reported from my credit report immediately. I am prepared to provide proof of military service, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I sent letters amount an account that is reporting on my credit report. I sent a letter to US Dept of Education,  to all the addresses they have on my report which is 5 different addresses, requesting a copy of my payment and account history : 1 ). What is the Account Balance? 
2 ). Date Payment was received? 
3 ). Scheduled Payment Amount? 
4 ). Actual Amount Paid? 

I received no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group has placed a new collection on my credit report without notifying me first. I have never received a 30 day right to dispute. They can not just put something on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I completed a modification application late XX/XX/XXXX with the assistance of XXXX. On XX/XX/XXXX Wells Fargo requested several documents, 12 documents which I provided to them onXX/XX/XXXX and XX/XX/XXXXin their entirety and before the sale date of XX/XX/XXXX. Wells Fargo representative called me at XX/XX/XXXX stating that I would not be considered for modification and that they could not move forward with a review even though I provided them with everything they asked for. 

Office of XXXX complaints representative XXXX called me on XX/XX/XXXX and indicated that even though they had received the documents requested they would not be able to review the documents and consider me for mortgage assistance due to the proximity of the sale date and the history on the loan meaning how many attempts I made to modify. 

On XX/XX/XXXX XXXX called XXXX to tell them it was due to a lack in change of circumstances as to why my file would not be considered for re-entry into modification and none of the reasons that they gave were valid. 
!. I have moved back into the property. A very serious change in circumstances. 
2. My overall household income has gone up as I have been able to include my contributors income by prove co-habitation and shown that myself and the contributor have regained possession of the property which were previously being held up by tenants or some people a friend recommended as roommates but took over the home. 
3. My contributors income has also gone up since the previous application. to XXXX plus the XXXX XXXX of $ XXXX net average and my income of $ XXXX 4. I am including XXXX XXXX income now that we have regained possession of the property. 
( after meeting with my accountant I had to cut a few of my business expenses down but it is all reflected in the profit and loss statements attached. )

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 2018-07-06 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Whom It May Concern, The reason for me filing this complaint is due to Portfolio Recovery Associates failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have called at least 10 times since XX/XX/XXXX and I have two unresolved problems : ( 1 ) escrow payments being added to my loan without reason and ( 2 ) an insurance policy that should have been refunded, but has not been refunded. ( 1 ) Escrow - I have been charged {$69.00} per month on my loan for escrow that should not be on my loan. I have been charged monthly for the past six months ( XX/XX/XXXX-XX/XX/XXXX ). I would like the escrow to stop and be refunded the balance ( {$460.00} ). ( 2 ) Insurance - an insurance policy was put on my loan that should not have been there ( policy put in force in XX/XX/XXXX and ended in XX/XX/XXXX ). The insurance policy was canceled by the company, but I was not refunded the full amount of the insurance policy ( roughly {$60.00} still needs to be refunded ). I have proof of my own insurance policy that was in force.

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 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF THE WEST
State: CA

Complaint narrative:
i have had a checking account with bank of the west since late XX/XX/XXXX early XX/XX/XXXX and a safe deposit box for about 30+ years. every year i get a bill for the safety deposit box and when i receive the bill i pay by mail or check in person. i received a letter from bank of the west on XX/XX/XXXX advising me that they would take out the payment for my safety deposit box automatically on XX/XX/XXXX without my authorization. i have never given bank of the west permission to take money from my account. they just decided on their own that it was ok to take my money. i spoke with the bank manager of the XXXX XXXX XXXX and his suggestion was that i could surrender my safe deposit box an move on.

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 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: College Ave Student Loan Servicing, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX I applied for a student Loan from a XXXX XXXX XXXX as a cosigner for my son. He is going in his sophomore XX/XX/XXXX. They advertise rates between 5.29 % I presume for very good credit & 12.07 % I guess for not so good credit. After filling out the loan application I was approved but the rate they gave me was ridiculous over 12 %. I knew my credit score was in the top % in the country around XXXX and my income level not bad over {$100000.00}. One outstanding loan car loan of XXXX being paid off currently 2.99 % the best rate you can get from XXXX XXXX. I immediately call College Ave. about the situation and to no avail the salesperson said they could not do anything about it. I asked to talk to the credit decision dept. and they would not connect me. They email to finish my loan bit I would not at 12 %. I then received a letter from them dated on XX/XX/XXXX thanking me for applying. I come to find that my credit score was even high than I thought FICO XXXX. I then called College Ave customer service and explain the situation again they finally connected me to a supervisor who told it was because my XXXX XXXX son did not have a long enough credit history. I told her that was the purpose of me being a cosigner. I am on the hook for the money not him. Anyway it did not end well. I also ask what is the criteria for the best interest rate? She could not answer. I believe that I was treated very unfairly and they falsely advertise low rates.

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 2018-07-06 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: FC HoldCo LLC
State: NY

Complaint narrative:
I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on  another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.

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 2018-07-06 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Whom It May Concern, The reason for me filing this complaint is due to Portfolio Recovery Associates failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had know ideal I had this account with XXXX XXXX Whom the sellers are XXXX XXXX. Until I seen it on my credit and a notice of payment. I then contacted XXXX XXXX XXXX XXXX informed me they had turned it over to XXXX XXXX I need to get in contact with XXXX XXXX XXXX I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. XXXX XXXX sent me some documents showing what was purchase. I explained to XXXX XXXX, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, XXXX XXXX XXXX stop pursuing payment but will not release it off my credit.

Company response to consumer: Closed with explanation