vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 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: NC

Complaint narrative:
The same issue I filed the complaint previously is still occurring. Navient continues to remove me from the plan I have requested since XXXX of 2018 which was to make biweekly payments in the amount of XXXX until XXXX of 2018. Navient states that on XX/XX/2018, you declined a Term and Rate Modification Program ( TRMP ) which would have lowered your interest rate to 3.00 percent. You decided to remain on interest only payments and bi-weekly payments were taken at that time for {$160.00} through XX/XX/2018. This is not true, yes, I declined the rate modification because I am trying to take care of this loan and start paying the principal down. Why would I request to stay on interest only payments and make XXXX biweekly to those payments when the interest payments are XXXX per month. That doesnt make any sense. Since XXXX, Navient has put me in a forbearance that was not requested, which took me out of the principal and interest payments and removed my payments that were scheduled. Then after I requested to be removed from the courtesy forbearance Navient then placed me in the interest only plan AGAIN!!!! Its like they want me to continue to pay interest and not touch the principal. Navient continues to enroll me in programs that I have not requested. Clearly the call on XX/XX/2018 stated exactly my intentions. I have since called back several times indicating what I want to do with this loan and that is make principal and interest payments. I contacted someone on XXXX XXXX, to enroll in principal and interest payments and set up biweekly payments. I want this documented, so my account is not touched and I am not removed from this payment plan. The principal of this loan is now back to where it started when I called in XX/XX/2018. If I was left on my plan when I initially called back in XXXX, this LOAN WOULD HAVE BEEN LOWERED. I can not get anyone to contact me back, but they always say someone left me a message. They are the most ridiculous loan servicing company ever. There should be consequences for the actions of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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:
In 2011 I was diagnosed with XXXX ( XXXX XXXX XXXX  XXXX ) When I contacted the lender regarding any relief for my loans, they put my loans on foreberance and continued to charge interest on my loan. I was never offered an income based payment of 0 so that I would not accrue as much interest. I was always offerred the option where Navient would make money in interest. In addition, they told me that I had to be deemed XXXX XXXX due to the XXXX in order for them to assist me with other options. These actions on behalf of the lender have led my interest and fees to create a much larger loan amount. What can you do to assist. I can provide documents that prove my XXXX diagnosis and at the time I was living at the poverty level threshold. 
Please contact me if necessary ( XXXX ) XXXX XXXX Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
On XX/XX/XXXX a representative from JPL Recovery solutions contacted my employer regarding garnishment of my wages. However I had yet to receive a letter from JPL Recovery Solutions regarding this alleged debt.

On XX/XX/XXXX, I contacted JPL Recovery Solutions and requested a Validation letter regarding this debt so i could review it. When I spoke to the representative from JPL Recovery Solutions I specifically asked that my employer not be contacted since I can not receive phone calls. I was told the first call was for verification of income only. 

However I was informed by my employers payroll department that a XXXX XXXX from JPL Recovery Solutions had called them again this morning. 

It appears they have ignored my request regarding my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Asked for a credit line increased and was declined. always make all payments on time and always more than minimum do this is a 0 % apr first year. I meet all requirements not sure why I was not approved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Twice, I have been convinced to sign up for a XXXX XXXX  credit card in store .. and twice, I have received my first bill after the due date for initial payment. 

The first time, I thought that maybe I had missed the first bill. This time, however, I was diligent in looking out for it. Sure enough, the bill arrived on XX/XX/XXXX -- with a {$29.00} in fees and interest on a {$100.00} bill. The statement closing date : XXXX XXXX. That would be fine, except there was no bill sent prior to XXXX XXXX. 

I have checked every piece of mail that has come into the house and received only a XXXX XXXX notice about the credit card and the card itself. However, no bill ever arrived. I also checked my email. The first time I ever heard from Synchrony Bank or XXXX XXXX about this bill was on XXXX XXXX. 

The remedy here isn't to waive the charges. I already did that. In fact, they do it so automatically that I assume this must be part of the process. If anyone complains, just waive the charges. I also paid the whole bill, and once again cancelled the card. My issue is with XXXX/Gap 's customer-unfriendly practices that essentially pressure people into getting a card in the store and then make it difficult for them to pay off the bill. Had this happened once, I might have written it off as my mistake. [ I'm never late in paying credit card bills and have an excellent credit score. ] However, it's now happened twice with XXXX XXXX/XXXX  XXXX. products. 

I'm a financially savvy person who knows to call the company ( Synchrony Bank ) and complain. What about the people who just get their first bill and then panic when they see the fees? It's not fair. Every other credit card company has to give people fair warning when bills are due. Maybe XXXX  XXXX will say they sent me my first bill and it must not have arrived. What are the odds of that happening twice? 

They deserve to be penalized for this persistent pattern and happy to give whatever evidence is needed to do so. Thanks.

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 2018-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I received a loan years ago and paid the loan off. Upon checking my credit I noticed the loan company ( XXXX XXXX XXXX ) reported to the credit bureau the loan is in collections on XX/XX/2018. This information should be removed from my credit report on all three credit bureaus due to the loan being paid off years ago. It's seems to keep resurfacing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD

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 2018-11-28 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: NY

Complaint narrative:
I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD

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 2018-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
At the time of purchase I was told no interest for 9 months at no time was I informed that this was considered deferred interest on the original purchase. I have been paying well over the minimum balance before the payment due date since Ive owned the card. Only to find out, it didnt matter. I was still charged interest. 

Every month Im battling bills, interest rates, and unforeseen fees on a fixed income. How am I supposed to build my credit back up, if card companies like Synchrony Bank, blindside you with back dated interest?

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 2018-11-28 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: OR

Complaint narrative:
XXXX XXXX XXXX Reported to Equifax that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with Equifax. Equifax says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at Equifax said that XXXX  said i still owe, XXXX XXXX from XXXX on behalf of XXXX XXXX XXXX says that XXXX can not help me and will not fix this credit reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: OH

Complaint narrative:
I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of XXXX XXXX. 

XXXX XXXX representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of PHEAA ( Pennsylvania Higher Education Assistance Agency ) who owned the Identity Theft Federal Student Loan.

PHEAA has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. PHEAA continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. 

I informed the XXXX  XXXX representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent XXXX XXXX a copy of the FTC identity theft report and addendum documents required. 

On both occasions, XXXX XXXX representatives informed me that this will negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: Sentry Credit, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX Reported to XXXX that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with XXXX. XXXX  says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at XXXX  said that Sentry  said i still owe, XXXX XXXX from Sentry on behalf of XXXX XXXX XXXX says that Sentry can not help me and will not fix this credit reporting error.

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 2018-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
On XX/XX/XXXX I called agency spoke to the account representative at that time XXXX Whom I made a payment agreement to pay the amount of {$3300.00} in monthly installments of XXXX and the Interest on the act will cease and the {$3300.00} will be the only amount I will pay. I then called I believe two months after to reset the payment arrangement because of financial difficulties to $ XXXX/month to go towards the original agreement of {$3300.00} since then all the payment have been automatically made and in every communication made with the same representative it was agreed the payments were going to the same arrangement then representative left the company when I called to check on my balance on XX/XX/XXXX the account was assigned to XXXX XXXX who informed me there was no such agreement to only pay {$3300.00} and the balance due at that time is the amount that I would have to pay I then disputed the account They never send me anything rectifying the dispute then on XX/XX/XXXX I called to confirm if my balance was paid off because I was only charged {$24.00} Same representative XXXX XXXX informed me there was still a balance due with nothing showing that I was only to pay {$3300.00} in total he then said their system had changed and there was no such notes showing that agreement was made. I disputed the account again then on XX/XX/XXXX I was issued a letter stating I have passed the time I had to dispute the account balance and According to section 809 ( b ) of the Fair Debt Collection Practices Act and the balance at this time which is {$1700.00} is due and collection activity will continue. This is unfair collection practices and we need to put an end to it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Im supposed to be granted a 6-month grace period, a window in which they persist to call and harass me. My family and I quiver by the answering machine as they mercilessly continue to shake me down. I would have never expected the effects of my student loan experience to carry over to my family, or cause us this much emotional distress over the holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wile we were in bankruptcy Wells Fargo listed on our credit report as delinquent with XXXX XXXX credit. We contacted XXXX XXXX and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with wells fargo.Upon completion of our bankruptcy wells fargo continues to refuse to list our mortgage on our XXXX  credit report. It has been more than 2 Years of multiple calls and letters to wells fargo to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only XXXX XXXX who I have contacted and has said its  Wells Fargo Holding our Mortgage data and refuses to release it. This adversely affects our XXXX   credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do

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 2018-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank closed my online access in XX/XX/2018 for unknown reasons. I contacted the Bank on XX/XX/2018 to try to gain access to my account and provided all confidential information requested. Was informed that a Bank employee would call me in a few days to follow up. 
Called Ally Bank later the same day and spoke to a representative about transferring funds to another Ally account within the Bank, and was rudely informed that my account could not be accessed at this time. 
I have almost {$250000.00} in an online savings account with Ally Bank earning a low 1 % interest, I suspect they want to keep by account locked so they can continue to pay below market interest on my account. 
I have not been able to access funds in my account for almost two months.

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 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an existing conventional home mortgage with Wells Fargo Home Mortgage, which has improperly applied my payments to pay down principal instead of for monthly payments. 

Five electronic cash transfers were sent to Wells Fargo for an existing mortgage that should have been applied to a monthly payment cycle ( principal+interest+escrow for tax and insurance ). The payments were correctly made using a Wells Fargo-branded payment module to the mortgage account. 

Wells Fargo mis-applied the cash transfers and applied them entirely to pay down principal and demanded additional payments to become current again on the normal monthly payments. Calls to Wells Fargo resulted in incorrect explanations and demands for additional payments. It took 11 months, false explanations, and countless calls to figure out what actually happened, at which point Wells Fargo would only reverse principal payments from the last 90 days, which covered a small fraction of the funds involved. Wells Fargo 's own incompetence led to the delays and the mis-applied funds going beyond the 90-day window. 

In summary, Wells Fargo took in funds and mis-applied them without permission, then demanded additional payments and delayed action until they claimed they could no longer reverse the older payments. I never stipulated that the funds should be used to pay down the principal and Wells Fargo refuses to refund or credit the payments towards normal monthly payments. I have been forced to make additional payments but am now in default. 

The payments are each for {$1600.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$8100.00}.

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 2018-11-28 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 sent Equifax and XXXX proof, of a paid Medical bill. That was paid by XXXX XXXX XXXX XXXX. Equifax and XXXX  response was after there investigation that the account is being reported accurately from XXXX XXXX XXXX which is a collection company..

Company response to consumer: Closed with explanation