vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-08 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: AES/PHEAA
State: NM

Complaint narrative:
In the fall of XXXX I enrolled in a Masters Program at the XXXX XXXX for Advanced Studies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL, XXXX. At that time, I applied for and received a Federally Insured Student Loan in the amount of {$12000.00} in order to help pay my expenses. 

Due to complications from the aftermath of Hurricane Andrew the year before, my parents moved out of state and I was without help in taking care of my XXXX children. 

Trying to balance school, work and children proved overwhelming and I was forced to leave school and also move out of state. 

As I was between jobs, employed at minimally paying jobs or even without work for several years, I was unable to make payments on the original loan and defaulted. 

My original loan was eventually purchased XXXX XXXX XXXX XXXX XXXX PA and I was made aware of the loan 's existence again when I filed for bankruptcy in the early XXXX 's. The method of my becoming aware was when attorneys contacted my husband, whom I did not even know at the time I took out this loan, and threatened to garnish his wages for repayment. Needless to say, this led to a divorce. 

As I have finally worked myself into a regular fulltime teaching position, I have been attempting to make regular payments in the amount of {$300.00} to {$1000.00} a month in order to try and get the amount down. 

Every month I receive a bill and I have never had a bill which indicates my Current Balance of almost {$32000.00} is decreasing. 

This brings me to the point of my complaint. I have no problem in repaying the original amount of my loan plus a reasonable interest. However, my original {$12000.00} is now, according to AES, {$31000.00} and in the time I have been paying, it has never gone down. This while the statement tells me I have paid a total of over {$29000.00} in both interest, {$21000.00} and principal, {$8000.00} over the years, with the {$31000.00} yet to be paid. 

I have asked AES for a complete accounting on this loan from the time it was originated until now. They have told me they are unable to provide that information. 

Any assistance your agency could provide in assisting me in either getting a full accounting or assisting in understanding how much and how long I would have to pay until this is paid off, or even if it could be forgiven considering how much I have repaid over the years would be appreciated. It appears this will never, actually be paid off, but will continue to provide AES with income for the rest of my life. 

I am concerned that at the age of XXXX, with retirement on the horizon, my retirement income will not be enough to repay this loan and still survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: CA

Complaint narrative:
It all started back in XXXX when I noticed on my XXXX credit report the the XXXX XXXX XXXX file had a statement that it had been sold to another lender and on the status their was no date when it would fall off. I complained to XXXX through their complaint portal, and that was when XXXX XXXX went in in XX/XX/XXXX and reaged my account and caused my credit score to plummet. And on the Equifax file it has no closing date, and they removed a statement that said in was. Under investigation. The only one that shows correct is XXXX with an opening date of XXXX XXXX, of XXXX and a closing date of XXXX XXXX, XXXX. I have not done anything that would give them a reason to reage this account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is reporting my high credit as XXXX. Instead of XXXX as the high because of this it is damaging my credit. I originally had a student loan with XXXX XXXX who then assigned it to XXXX XXXX XXXX XXXX who set me up with the rehabilitation program which I successfully completed and then they assigned it to Navient based on the paper work sent to me was XXXX/XXXX/14. Navient took my loan it was XXXX but they reported my high has XXXX starting me off upside down on my loan 118 percent when they took the loan over and created a new one which should have shown my high as XXXX with me paying the amount that they set up for me I still would not be able to pay it off unless I paid hundreds of dollars extra. I need this fix it is severely damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My identity was stolen 3 years ago. Some one opened a XXXX credit card in my name at pnc bank on XX/XX/XXXX. Money was transferred to a person by the name of XXXX XXXX XXXX from the credit card for XXXX. I called pnc bank in the beginning of XXXX ( right around the 15 ) and told them that I did not open this account. The fraud department sent me a letter on XX/XX/XXXX and had me sign it so that there could investigate this problem. On Saturday XX/XX/XXXX I received a letter from PNC Bank stating that no such inquiry was reported to the credit bureaus. I have a copy of XXXX credit alert about the inquiry. I made a police report in XXXX after I called PNC Bank about the fraud. Police report number is XXXX.From the letter I received from PNC on XX/XX/XXXX, they think I opened this account, which I did not. I am going to contact PNC again on Tuesday due to Monday being a holiday. The inquiry was from PNC Bank in XXXX Ohio on XX/XX/XXXX. I was in California at that time. I put a credit lock on my credit for all 3 bureaus on XX/XX/XXXX. I had my credit monitored by XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/XXXX : OnXX/XX/XXXX, I received an email from XX/XX/XXXXstating the following : " EARN 10 % CASH BACK WITH CHASE PAY AT XXXX  XX/XX/XXXX = 10 % CASH BACK Shop for millions of your favorite items using your Freedom card with Chase Pay at XXXX in the month of XX/XX/XXXXand you 'll earn a total of 10 % cash back on up to {$250.00} in purchases fromXX/XX/XXXX. '' I had enrolled in Chase Pay and made purchases ( a total of 3 items ) online at XXXX very early in the morning on XX/XX/XXXX. The total for the purchases was {$120.00}. I received emailed confirmation that I enrolled in Chase Pay. I also received emailed confirmation of my purchases at XXXX on XX/XX/XXXX There was clear indication in this emailed confirmation of my purchases that two of the three items were to arrive byXX/XX/XXXX. I noticed the following month I had n't received my 10 % cash back on my account. I called Chase onXX/XX/XXXX to report that I had n't received the 10 % cash back points. I was told I would receive a letter in the mail concerning this issue. As of today, XX/XX/XXXX I still have n't received a letter. So I called Chase today about my not getting 10 % cash back on my purchases. The person I spoke to at Chase indicated that I wo n't receive the 10 % cash back. She indicated that I did n't receive it because the transactions did n't show up on my Chase card until XX/XX/XXXXandXX/XX/XXXX. I read the promotional email from Chase and did n't see anywhere indicating the 10 % cash back was based on dates the transactions would be posted. The content of this email used the words " shop '' and " purchases ''! I made the purchases onXX/XX/XXXX! This is very wrong of Chase to send me this promotional email to make purchases in a relatively short amount of time (XX/XX/XXXX - XX/XX/XXXX ) .I had no control when the transactions would be posted. According to this promotional email from Chase, I had until XX/XX/XXXXto make the purchases at XXXX to qualify for the 10 % cash back! What if I made the purchases ON XX/XX/XXXX? It 's very unlikely that the transactions would post the same day,XX/XX/XXXX!! Are they aware of this fact? I was definitely lied to and misled by Chase and will never trust them again with any promotional offers they make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08 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: GA

Complaint narrative:
Equifax deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have a dept on my Credit report which is not mine. I have spoke with the company a while ago and its still being reported. I do n't know what else to do but file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
ERC debt collections company continues to report to all 3 credit bureau 's as my account in collections and/or derogatory after me speaking with them numerous times, explaining the debt was paid & full. I requested a written letter numerous times & for the incorrect reporting to be taken off my credit reports, I was promised over & over again it would be corrected and not show negatively on my reports. I have repeated asked the 3 credit bureau 's to correct the mistake. This is causing me to be denied credit cards,  rentals, and increased interest rates, which is very unfair when I am current with all payments and not in collections.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
*I have reviewed my Credit report and found several account unrecognized items from your office PHOENIX FINANCIAL SERVIC # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc ... I can not seem to locate any files or paperwork that show PHOENIX FINANCIAL SERVICES is in compliance as far as HIPPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Did not receive proper notification of collection. No phone call or mail the item just went straight to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a credit card with chase bank for around six months, just recently I opened another card with the bank. on XXXX XXXX 2017 I received a letter stating my accounts have been closed for 1. " not enough credit information on file '' 2. " the accounts on your credit report have not been open long enough '' 3. "  account not used as intended '' this causing me to lose points earned and create a horrible dent in my credit report to show a card closed by issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: EQUIFAX, INC.
State: HI

Complaint narrative:
XX/XX/XXXX my Equifax report was wiped clean. a glitch in their system removed everything and was later reinserted. They did not provide me with a 5 day notice it was reinserted on my report. And I know that 's they 're supposed to do this before reinserting anything! I want everything that is negative to be removed from my report! I am giving y'all 15 days to get this handled! I have proof that everything was deleted! I will be adding that to my complaint! I also contacted the. About it and they said I had no file just only three accounts that were readded. And they do record phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Cash Call Mortgage has consistently mishandled my monthly payments and not properly booked payments that I have made towards principal. As a result, my interest expense has been too high and my principal balance is too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have several open/active credit accounts with Synchrony Bank and they are paid on time with no account behind or delinquent. I continue to receive phone calls from Synchrony Bank from their collection department despite this. I received a call on XX/XX/XXXX before XXXX which woke me and I was sick that day. Then, I received a phone call on XX/XX/XXXX which was a Sunday afternoon. Each time I was not able to answer when they called, so I called back and it was the collection department. When I inquired as to why they phoned me, they checked my accounts and could not provide an explanation because all of my accounts are in good standing. On XX/XX/XXXX, I spoke to a supervisor ( XXXX -- Collections Account Mgr ) to file a complaint and let them know this is harassment. She assured me that it would not happen again and now it has again in XXXX. 

After theXX/XX/XXXXcall, I noticed that I also had to put my telephone number back into all of my accounts when I went online to pay. This is harassment pure and simple and against the law. 

Please note : InXX/XX/XXXX I had to file XXXX XXXX Bankruptcy. I had several accounts with Synchrony Bank that were involved in this bankruptcy and they can not collect that debt. The new accounts I have are for the purpose of rebuilding my credit. On XX/XX/XXXX, I was informed that maybe I am a secondary on an account or someone used my social security number to open an account. I informed them that they should be able to see if something like this is the case and should transfer me to the fraud department. They are calling with no explanation and engaging in unfair debt collection practices for a debt not owed. 

The number the calls are coming from is XXXX and it is the Collections department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: FL

Complaint narrative:
XXXX is reporting my high credit as XXXX. Instead of XXXX as the high because of this it is damaging my credit. I originally had a student loan with XXXX XXXX who then assigned it to XXXX XXXX XXXX XXXX who set me up with the rehabilitation program which I successfully completed and then they assigned it to XXXX based on the paper work sent to me was XXXX/XXXX/XXXX. XXXX took my loan it was XXXX but they reported my high has XXXX starting me off XXXX down on my loan XXXX percent when they took the loan over and created a new XXXX which should have shown my high as XXXX with me paying the amount that they set up for me I still would not be able to pay it off unless I paid hundreds of dollars extra. I need this fix it is severely damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Date Description Principal Interest Fees Total XXXX/XXXX/XXXX PAYMENT ( {$83.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX PAYMENT ( {$84.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX DISBURSEMENT {$1100.00} {$0.00} {$0.00} {$1100.00} XXXX/XXXX/XXXX PAYMENT ( {$78.00} ) ( {$140.00} ) {$0.00} ( {$220.00} ) XXXX/XXXX/XXXX PAYMENT ( {$28.00} ) ( {$71.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$18.00} ) ( {$81.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$38.00} ) ( {$190.00} ) {$0.00} ( {$230.00} ) XXXX/XXXX/XXXX PAYMENT {$0.00} ( {$71.00} ) {$0.00} ( {$71.00} ) XXXX/XXXX/XXXX CAPITALIZED INTEREST {$0.00} {$0.00} {$0.00} {$0.00} XXXX/XXXX/XXXX PAYMENT ( {$49.00} ) ( {$150.00} ) {$0.00} ( {$200.00} ) Total Current Balance : {$89000.00} Loan Current Balance Interest Rate Due Date XXXX DL Consolidated - Subsidized {$35000.00} 6.250 % XXXX/XXXX/XXXX XXXX DL Consolidated - Unsubsidized {$46000.00} 6.250 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$5100.00} 6.310 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$1100.00} 7.000 % XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: OR

Complaint narrative:
Navient servicing failure and repeated errors in processing and misapplying payments month after month has caused unjust interest accrual. This resulted in increased length and amount of total loan repayment. This process was never clearly disclosed as part of their payment allocation methodology used by Navient. 

Navient never provided adequate information of repayment options and required repayment to start from the initial date of the loan, resulting in uninformed and rushed choice in repayment method. This led to increased interest required for total repayment. 

The Predatory mismanagement of payments has led to an unachievable repayment plan. 

From XX/XX/XXXX through XX/XX/XXXX, Navient refused to apply or inform of the lack of payments to the principal amount of the loan. Only servicing the Interest and fees with 100 % of the monthly payments ; which were being made in good faith. This has led to the continually cycle of non-dimensioning interest that would reapply per fiscal year. Making loan repayment unachievable as the principal never was reducing which allowed the interest to never reduce per annual amount. 

SinceXX/XX/XXXX, Navient has serviced the minimal percentage of principal per each monthly payment in attempts to continue accruing maximum interest to be repaid. 

This is clearly predatory and done against good faith, stewardship, and customer 's best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: WI

Complaint narrative:
My Daughter XXXX XXXX and I have been trying to work with Cross Country Mortgage trying to resolve an escrow issue that I do not have the responsibility for paying. I signed a note that said my payment was to be {$570.00} per month. Then shortly after my payment went up from that amount to {$580.00}. I do n't understand why. Also, my mortgage company never paid my insurance escrow. So they put forced placed insurance on my loan due to their negligence of not ever paying my insurance company XXXX XXXX. I have never missed a {$580.00} payment since I began paying 2 years ago. They are now trying to collect {$2000.00} from me due to their negligence. I have never been without hazard insurance. My daughter faxed in my insurance information to them several times to show that I never had a lapse, and we spoke with XXXX XXXX and they also faxed it. Cross Country has ignored the paperwork. This has not helped. My Daughter spoke with the CEO of the company. That has not helped. Now they are reporting mortgage lates on my credit report lowering my credit scores. They have also sent my loan to loss mitigation. I have tons of loss mitigation letters that they keep sending. They have refused to rectify this situation from the beginning when I first bought the house. My insurance XXXX has also indicated to Cross Country Mortgage that I have never had a lapse in coverage and faxed in proof several times. If I ever did have a lapse, it was due to the Mortgage Company never paying for my escrow account. If I have a lapse now, it is as a result of Cross Country not paying my escrow account again. Again, they refused to remedy the issues. Instead, they keep trying to collect the money from me. It is n't my responsibility to pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation