vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XX/XX/XXXX I was contacted by phone from XXXX XXXX XXXX in regard to help with my student loans. I thought it was a legitimate agency but found out through a call from another agency that what we were attempting was possible through XXXX without payment to a third party. When I informed XXXX that I was no longer interested in their services they said I still owed a fee of over six hundred dollars because " they worked on my file ''. I thought I had already filed a complaint online but it must not have gone through because when I called today ( due to wanting to check the status of my complaint and received more correspondence from XXXX ) the lady I spoke to could not find any information for me. I received a notice recently from XXXX that says Attorney Placement Pending for {$99.00} and balance due of {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, On XX/XX/XXXX, at approximately XXXX XXXX Arizona time, I attempted to have a security freeze removed from my credit report. This freeze has been in place for a long time. We had been through a chapter XXXX bankruptcy in the mean time. The website could not verify my information. I called and was eventually transferred to a woman who spoke poorly, had a heavy accent and would not listen to any of my pleas for clarification. I was able to figure out ultimately online how to resolve this matter and she did provide enough sentence fragments to point me in a direction. Experian was dismissive and condescending. Could not wait to get me off the phone and would not answer my questions. When I asked to talk to someone else such a supervisor I was ignored and stonewalled. I do not understand how a company with so much control over my financial life can be so lazy when it comes to customer support. All I wanted was information on how to resolve this and what I got but a minimalist brushoff both insulting and vague. As a company, they have a responsibility to communicate how to resolve issues better. I fumbled around the website until I found the answer but I largely abandoned and dismissed by Experian.

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 2017-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My private student loans originally owned by XXXX XXXX were recently sold to Navient. Over the last year and a half I have filed several complaints with the CFPB ( case numbers:XXXX,XXXX,XXXX,XXXX ) in attempts to receive a reduced monthly payment, as I lost my job and have been working part-time since that time. I was initially told by the loan servicer XXXX that the reason I was having issue was because the loan was, at the time, owned by XXXX. In further conversions ( via CFPB complaints ) I was offered a reduced payment plan by XXXX, however after applying I was simply told that my " income '' precluded be from being eligible. When I inquired further I was told that the basis under which they made their decision was " proprietary information ''. Though I was unable to maintain the $ XXXX monthly payment I have paid something on the loan every month just to show good faith. After finding out my loan was sold I reached out to Navient in continued attempts to lower my payments, and bring my account to good standing. The Navient representative I spoke to indicated because my loan is delinquent there was nothing I could do to lower payments or rectify the situation short of paying the back balance in it 's entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: CO

Complaint narrative:
in 2014 my information was used at a hospital for treatment. I submitted a dispute with Equifax explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. Equifax did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My father XXXX XXXX maintained an account at PNC Bank until his death on XXXX XXXX 2016. He was pronounced dead on XXXX/XXXX/16 at XXXX XXXX. His e wife who was granted Power of Attorney when he became ill went in the PNC bank in XXXX NJ the morning of XXXX XXXX, 2016 and withdrew the whole balance of {$66000.00} and opened an account in her name. At no point were any questions asked to the nature of her transaction. We have contacted the bank and were told they are not liable even though Power of Attorney ceases to be valid at the death of the account owner. They instructed us to contact a Lawyer and they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I faxed the mortgage company Select Portfolio Services the 2011 Chapter XXXX discharge court case last week. Select Portfolio Services continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from Select Portfolio Services informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I worked at Macys I received a pre-pay account where I would load money onto the card before making a purchase now I do not work at Macy 's and I 'm getting billed for the remaining of the balance on the card that I never paid off. it 's a balance less than {$100.00} and I 've been paying $ 10- {$20.00} a month to get it paid off for the last three months now I get about 10 phone calls a day after I already spoke with the supervisor and told her to stop calling me they call me numerous amount of times at work and they call me as early as XXXX XXXX in the morning. Not to forget as I mentioned above I have been paying some money per month. It 's getting ridiculous at this point

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 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Four years ago, I asked my Bank ( JP Morgan Chase ) about getting paid interest on my checking account. They asked me how much I 'd be able to keep in the account. I told the manager, {$10000.00}, maybe more. She said no problem. They 've been paying interest on the account, but it 's a paltry 0.1 %. This month, I got XXXX XXXX interest on XXXX XXXX, 2017 -- and a charge for {$25.00} because my balance was below {$15000.00} ( {$14.00}, XXXX ). I complained, and they reversed the charge, but it still annoys me. The fee is so far out of line as to be usurious, especially considering the niggardly amount of interest they 've been paying me. One fee would virtually wipe out my interest for more than a year. I am not a happy customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help.
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP
State: NJ

Complaint narrative:
I received a letter from Cawley & Bergmann LLC dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX/XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX or Cawley & Bergmann LLC. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
A company called XXXX XXXX XXXX. keeps calling my number looking for someone other than myself. I 've told them repeatly they have the wrong number. Even after they said they were removing my number they call again. Even bereating me if I know of a person named XXXX XXXX who they 're trying to reach. Very unprofessional hangs up in my face and cuts the call short without offering a solution. You get no where with this company to resolve matters.
Was called on XX/XX/XXXX at XXXX XXXX. I was n't able to answer the call that day.
Was called on XX/XX/XXXX at XXXX XXXX. Answered the call said I was n't the person looking for.
Was called on XX/XX/XXXX at XXXX XXXX. Told them I was n't the person, lady said she would remove my number.
Was called on XX/XX/XXXX at XXXX XXXX. Advised them that last time they called me someone was supposed to remove my number. Representative said she could n't help me and ca n't remove it and bereated me about knowing XXXX XXXX. Then hung up on me.
On XX/XX/XXXX I called the number back spoke to a man representative who said could n't help me unless I gave him my number but he would n't tell me his company name or who he was or company he was calling from. I asked speak to supervisor but ended up getting a regular collection person who did n't know what was going on. He just transfered my call to her line.
This lady did try to help me but could n't and did apologize for the other rude representatives. She stated it was there policy that they needed my number to remove it. She also told me the company name and where she was calling from. I advised them that I do not give my number out to just someone who calls me on the phone especially when I do n't know them and they have these kinds of practices because of scams and other fraudalent things.

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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I do not have a contract with Portfolio Recovery. I am not responsible for the collection for the debt with XXXX XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from trans Union an XXXX, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much stress.

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 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I refinanced into my current loan in XX/XX/XXXX. We were very conservative when taking out this new loan because our home is our families biggest investment. At that time we were a 2 income household and the increased payment was very affordable. Several years later, my loan was assigned over and over again to many banks due to them going out of business after the mortgage industry imploded. We stayed current and always communicated with our new banks. A couple years ago my husband was laid off from his job of several years and our now adult children were able to help out with our household expenses. We maintained until my son was in a car accident and was unable to work. We incurred expensive medical bills associated from this accident. This along with lessened work hours for me at work and the lack of income from my husband caused us to fall behind. We were now with SPS and this is when our troubles began. We reached out for help with our missed mortgage payments and in XX/XX/XXXX we applied for a modification. I was unable to complete the application due to not having the documents they were requesting. Our hardship was still very present-my husband still looking for work and my son 's therapy expenses taking a big chunk of my now full time income. As of today we are all doing much better. My Husband has found a great job and I am full time, my son is almost back to his old self. We reapplied for a modification on XX/XX/XXXX and shortly after I received a letter from SPS denying me for all retention options because we have a foreclosure sale within 27 days of the date of our application. This letter was dated XX/XX/XXXX, one day after they received our application- it was not reviewed at all just denied. When I called into SPS to go over the details of the denial I encountered a very rude representative that was just compassion-less. She was very difficult to speak with and combative when I asked her basic questions about my application. Again I am just seeking clarity on this denial as I do not do this for a living. I was reminded about how we applied last year and the file was incomplete. The representative basically advised that they are unwilling to help me today because there is a sale date on my property, that they already offered me a review and I didnt complete it. That was last year and my circumstances today are better than they were last year. I felt as though this person was very unnecessarily rude towards a homeowner that is only seeking to keep their home. I submitted a complete package and it wasnt even reviewed by them after all of our troubles this was very un-expected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX/XXXX/17 I payed on XXXX {$1000.00} for 3 rooms for a 2 night stay at a 4 star hotel on the XXXX XXXX strip. I purchased it through XXXX XXXX " hotel express deal. '' The name and location of the hotel is not advertised but the star rating and amenities are supposedly guaranteed. I was assigned the XXXX XXXX XXXX and XXXX which is not located on the strip and lacks the amenities typical of a 4 start hotel in XXXX XXXX. There is no resort, only a small pool. The hotel is not located on the strip. I immediately contacted XXXX to cancel the reservation as it did not meet the expectations based on their advertisement. They refused to cancel. I contacted Capital One and went through their dispute. I gathered pictures and reviews from several websites and submitted those to capital one. The reviews confirmed the lack of amenities and the location of the hotel not being on the strip. There are many people that have been assigned this hotel through that deal, which in my point of view seems like a bait and switch tactic, promising 4 star hotel on the strip and instead getting a hotel 30 minutes walking distance from the strip, that caters only to XXXX tourists and lacks the amenities of a 4 star hotel. Capital one did initally credit me back the disputed charge but XXXX did a chargeback. I again disputed the charge along with supporting documents of reviews and pictures of the hotel, in XXXX but was again charged back. After they reviewed my documents they requested additional documentation, a second opinion on the rating of the hotel by a XXXX peer, which I was unable to provide in the allowed time, about 10 days. They have now closed the case and expect me to pay the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: NJ

Complaint narrative:
In 1999, we consolidated several student loans with Navient. The TOTAL principal was {$70000.00}. In our application, we applied for a " level payment plan '' and the disclosure statement promised : {$70000.00} in principal to be repaid, and {$50000.00} in interest payments, for a total repayment of {$120000.00}. The term was 180 months or 15 years. All of those documents are attached. Now, we are more than 18 years later and we have paid {$100000.00} in interest ( more than TWICE the disclosure form ) and STILL have a principal balance of {$61000.00}. Meaning, in 18+ years, we have paid {$100000.00} and only reduced the principal by {$9000.00}. As opposed to 15 years total, and {$50000.00} in interest. Navient claims that we entered into a " voluntary forbearance program '' for 24 months and a " graduated repayment plan '' for 6 years. Yet, they did not provide a single document that shows we entered into either program AND THEY DID NOT PROVIDE any disclosures from Navient that updates the disclosures required by law. indeed, the programs they describe STILL do not permit a 19 year plan in which we pay double interest with only a {$9000.00} reduction in principal. If Navient is to be believed, we will be paying off this loan for 200 more years. importantly, while we did sign a promissory note, NOTHING in any disclosures, contracts, applications or agreements from Navient describe a 200 year ( or even a 19 year ) repayment plan, with {$100000.00} in interest against a {$9000.00} principal reduction. I am giving Navient one last chance to resolve this with a substantial principal reduction ( of at least 50 % ) or we will be filing a class action lawsuit. I truly hope this wont be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I use an app called XXXX. It pays me in advance of my payday in case I need some money but my bank has to report the transactions, which the 1st couple weeks was great, NO ISSUES. Now I guess they realized this helps me not to Overdraft, meaning the bank wo n't get to charge me {$38.00} in fees so they are not reporting transactions to XXXX ; therefore ; I am not able to get my money from them. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation