vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
On  XX/XX/XXXX , I spoke with a man from Fedloan who told me I could consolidate my husband and I 's loans by filling out a single IDR plan request form. He told me our payments would each be  XX/XX/XXXX  dollars a month. He told me exactly how to fill out the form and said only one form was needed to cover both of us, and this would consolidate our loans together. I filled out the form and mailed it to them. They acknowledged they received it when I called over a month later. They said it was being processed. After no word, and noticing my husbands monthly payment shooting up to almost 300 dollars, I called Fedloan again and was told they stopped allowing married borrows to consolidate years ago. This was completely contrary to what the other representative told me. They said, I needed to resubmit an application and so did my husband. We each did this. This was on  XX/XX/XXXX . On  XX/XX/XXXX  we resubmitted yet ANOTHER IDR request form because I contacted Fedloan again ( again, since they had not gotten in touch with me and we were getting notices our payments were past due ) I called a representative who told me my husband could fill out a consolidation request form on studentloans.gov, which he did as well as submitting the proper paper documentation. I asked him what to do about my husbands overdue account which was past due. He told me no problem, there would be no penalty if we just instantly filled out and scanned a general forbearance request to cover the payment until the IDR/consolidation request was processed. We filled out and submitted/scanned AND mailed this form that very day. On  XX/XX/XXXX  Fedloan wrote my husband and told him his account was 21 days past due and " he had options, such as applying for forbearance ''. We had JUST submitted the request the day prior. We are concerned because we know we lose our rights after 30 days but we have been getting the runaround from Fedloan since early  XXXX  and every representative gives us a different story. Our credit score has been stellar but I 'm afraid of Fedloan ruining it. I contacted them again today to remind them of our  XX/XX/XXXX  forbearance request form and how they evidently ignored it since they wrote us a warning of a past due payment the day AFTER this form was submitted electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
please see attachments. I HAVE TRIED TO OFFER TO PAY THIS DEBT  ON 3 DIFFERENT OCCASIONS IN EXCHANGE FOR MY PROMISSORY NOTE. I CONTINUE TO GET THESE OPEN ENDED LETTERS THAT MEAN NOTHING NOR ARE THEY COMPLYING WITH MY CONSTENT REQUEST FOR MY PROMISSORY NOTE IN ITS ORIGNAL FORM. MEANWHILE THEY CONTINUE TO LIST A {$0.00} DEBT ON MY CREDIT REPORTS. THEY REFER ENCE ME TO   XXXX   XXXX   XXXX   XXXX   FUNDS WHICH BOTH BEEN DELETED OFF MY CREDIT REPORTS FOR INACCURATE INFORMATION. MY HANDS ARE TIED AND I 'VE DECIDED TO LEAVE THIS MATTER IN YOUR HANDS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
XXXX   XXXX     2017  and  XXXX   XXXX     2017  Asked for original Creditor and name but was told they could not give it to me. I then asked for a Validation letter but have n't received one yet. I talked to a representative by the name  XXXX . I wanted to get the original creditor name and address from this company because they would not negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: GA

Complaint narrative:
Company ( Navient ) is non-responsive and has requested duplicate documentation- numerous times over the last 12 months in an effort to stall and let my account go delinquent. I have continued to make monthly payments based on US Department of Educations Laws and guidelines. This is based on the max. percentages allowed of borrowers discretionary income and on current income documentation provided to Navient with a New Income based repayment form..
<P/>
Last request/response from Navient : Navient stated that my  XXXX  tax return was no longer a valid form of income verification because it was now outside the first Quarter of  XXXX ??? This form of income verification was used and additional documentation ( example : former employers verification of date when job was lost ) which by the way has now been over a full year ago. Yet Navient continues to place obstacles in my way to utilizing a Income Based Repayment plan. They have offered deferment ( numerous times ), which is not a good choice, because all that accomplished is a few months delay on your payments and then they resume ( with additional interest charges ), Navient avoids at all cost, offering what the US Department of Education endorses in repayment plans. Including the Income Based Repayment Plan.
Last request from Navient was for pay stubs and a New Income based form. All this documentation was down loaded ( XX/XX/XXXX  ) per their secure website and since I sent the documentation they requested, they have gone silent ( current date  XX/XX/XXXX  ) or 5 days since they received the required new income documentation. No response- no adjusted repayment plan-nothing. In researching a reason this was occurring, I found where the CFPB is suing Navient for exactly the same issues/problems that I 'm experiencing.
I lost my job in XX/XX/XXXX . It is now XX/XX/XXXX . My student loan payment is {$1300.00} per month and represents over 96 % of my decresanary income? This is a violation of US Department of Education Laws and no adjustment has been made in now over a year of trying to work with Navient. This includes sending the same income verification documents 4 times. I have notified the Attorney General of the State of Georgia and other legal and Government organization and agencies and am supplying them with all the correspondence ( and dates ) that and if I receive from Navient going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Financial Asset Management Systems Inc
State: PA

Complaint narrative:
Received a call at XXXX XXXX on XXXX XXXX 2017 which woke me out of my sleep. Did n't recognize the number did n't answer. Caller ID had it as XXXX XXXX XXXX XXXX. Further investigation discovered that it was a spoof number for FAMS ( Financial Asset Management Systems ), a debt collector.

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 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On   XXXX   XXXX   XXXX   I filed a complaint on   XXXX   XXXX  . The company has refused to verify and information regarding a debt that is claimed to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information. One rep advised me that   XXXX   XXXX    can electronically share any balance to the credit bureaus and I should stol calling because they can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just " suck it up and pay it, even if its not yours '' i have attempted to get assistance from all three credit reporting sgencies. Transunion,  XXXX , and  XXXX  however I have not received a resolution.   XXXX   XXXX   has not reaponded to a complaint submitted on   XXXX   XXXX   and they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.

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 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On    XXXX   XXXX   XXXX   I file d a complai nt on   XXXX   XXXX   The company has refused to verify and information regarding a debt that is claime d to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information.  One rep advised me that   XXXX   XXXX   can electronically share any balance to the credit bureaus    and I should stol calling because they  can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just "  XXXX  it up and pay it, even if its not yours '' i have attempted to get assistance from all   XXXX   credit reporting sgencies.  XXXX ,  XXXX , and Experian however I have not received a resolution .    XXXX   XXXX   has not reaponded to a complaint submitted o n   XXXX   XXXX   an d they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.   According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.

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 2017-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was not receiving regular communication about my account from my bank. I was not getting quarterly statements like I was supposed to. I also was never informed that they were starting to charge fees for their savings account. When I finally did get a statement I saw the fees and called customer service. I requested that the fees be reversed because I was never told about the fees and I requested a supervisor call me and explain why I was never told and to have the fees reversed. My final request was that the account be closed to prevent this from happening again. I was never called back, the account was never closed, and the fees were not reversed. I asked that the account be closed at least 5 times. And I made the request e to 2 diff erent reps. BofA is defrauding their customers by charging fees without informing them, not sending regular statements, and when requests are made on the accounts, those requests are not fulfilled. I want ALL of my money back, I want ALL fees reversed and I want the account closed. This " bank '' is a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  reported me as 30 days late on  XXXX   2017 . This was done in error and was supposedly corrected by them in  XXXX   2017 , but it is still showing on my account for Equifax. It has been removed for  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC has been a horrible lender and they have been the center of continual and repeated issues relating to how they treat their customers. I closed all my accounts with them and actually physically went to a branch to ensure all items closed and my home address provided. Instead, they allowed accounts to remain open so they could charge me overdraft and late fees. I think this is horrible way to treat a proactive consumer.
<P/>
The only open item is for an old credit card with high limit of {$1500.00} and Account #  XXXX . I had been paying on-time and monthly via my former checking account. However, since the checking account is closed, they refuse to provide me a monthly invoice so that I can pay. On over six separate occasions, I have requested HSBC submit a monthly invoice so that I can pay down the old credit card but they refuse to send me a bill. In the interim, they continue to report negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Pprtfolio recovery calls several times a day and late at times. I have asked them to stop calli ng ne and to  instead swnd me documentation proving that this is indeed my account. I have asked them to send some detailed statements as this is not my debt and they refuse and instead resort to calling over and over to intimidate. I have had to block their calls and still have n't receiv ed ANY detailed bills or proof this debt is mine. I would need more than 1 bill to get an idea as to who ' s debt this is as it could be ifenity theft. This company is abusive with their calls and behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express has handled this situation horribly. <P/>I tried to be civil with them and solve with AMEX directly for a month now. <P/>What happened was I added an authorized user to one of my cards via live chat. They incorrectly coded this as a credit inquiry, which is completely false because I already had the card. I then called and talked to the credit team at AMEX and they told me to fax in the documentation of the hard inquiry on XXXX, so I did. <P/>Now here a month later and its still on my credit report as a hard inquiry, which just infuriates me because I am trying to buy a house and they messed up and ca n't seem to fix it. I am requesting them remove the hard pull from my XXXX report as well as additional compensation in the form of XXXX XXXX to my account XXXX I shouldnt have to ask multiple times and wait months to get this removed. Make it happen, this is an ERROR on your part, which you guys admitted too already but ca n't seem to fix it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$150.00} from :   XXXX   XXXX   XXXX   .,  which was opened on :  XXXX   XXXX ,  2013 .   I am again disputing that I do not owe this debt.   The  CRA ( Equifax ) co ntinues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me.   Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report.   This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I n  XX/XX/XXXX  - XX/XX/XXXX ,  I was enrolled in   XXXX   XXXX   XXXX   XXXX   XXXX    onli ne. While attending, I had to apply for  a Tuition Answer privat e loan with a co-signer through    XXXX   XXXX  .  As I can recall, I had applied for  XXXX  private loan instead of  XXXX . Currently, I 'm aware that you have filed a lawsuit against  Navient. I re cently noticed this information and needed to send you my information regarding my account and any issues wi th Navient. I 've  performed an investigation on my account regarding all my loans  - Federal and Private. Currently , all of my subsidized and unsubsidized federal loans have been consolidated and sent to  XXXX . However, I have  XXXX  private loans dated back from   XX/XX/XXXX .  Here are the listed private loans in question : Disbursement   XX/XX/XXXX  - T uition Answer - {$7300.00}, Interest 5.50 %, Total Balance : {$9900.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursement XX/XX/XXXX   - Tuitio n Answer - {$4100.00}, Interest 5.50 %, Total balance : {$4800.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursemen t  XX/XX/XXXX -  Signature Student - {$6000.00}, Interest 9.125 %, Total Balance : {$8600.00} ( This loan is not listed on my account detail  ). Direct Repay -- Status : Elig ible.  <P/>  Navient has b een contacted for them to send me the signed promissory notes for each of these private loans. The representative stated that I would receive them by the end of  XX/XX/XXXX , no later than the first week of   XX/XX/XXXX .  In addition, while paying on my loans I 've contacte d Navient in    XX/XX/XXXX ,  XX/XX/XXXX  or  XX/XX/XXXX  regarding removal of my co-signer. They stated that I had to make 12 on-time consecuti ve monthly payments and a credit check, in order to remove the co-signer. I have been  XXXX  month late because my paycheck did not fall on that date which caused my account to be delinquent . Navient h as never told me about a grace period after the due date which is the   XX/XX/XXXX   of every month. As for income-based repayment, I could not get that for my private loans it was only offered for federal loans.  <P/> I have a copy of my account detail breakdown for you to see what is going on with my account. I 'm trying to get an understanding as to why the interest is more on  one  account than the other and they are close in age. In addition, why is  Navient charging me for loans I have n't applied for, and why Navient does not offer inco me-based repayment for private loans? Please check on any illegal deferment or forbearances that were placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
DISCRIMINATION AND UNFAIR BANKING PRACTICE On    XXXX   XXXX   XXXX      my wife and I applied for a mortgage loan through Navy Federal Credit Union. Within  48 hrs., w e submitted all requested and required documents to the bank representative who scanned them through their electronic portal.  <P/> Despite our A+ credit worthiness, income, employment stability, and demonstration of our qualification, the bank has continued to delay our preapproval by profiling us, and discriminating against us while using unethical banking practices, and insisting we  apply for an FHA loan, oth er loans, and loan terms that are a disadvantage to us.  <P/> We have contacted the bank representatives countless times to obtain the status of our application but we continue to receive unusual delays and responses. We even escalated our concern to a supervisor only to receive more excuses, delays and unusual requests and responses.  <P/> We 're about to close on our existing home and we have found a home that we 're interested in purchasing, but  NFCU  could care less that their delays will force our family to endure unnecessary hardship and homelessness.  <P/> We are appalled that this conduct and practice is allowed to exist. We are seeking assistance on a resolved end to this madness.  <P/> Please contact us at  XXXX  or  XXXX  XXXX  XXXX  should you need additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation