vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
It was n't timely, but I did 100 % pay off my student loan debt. However, after checking my credit report it shows that I have a balance of {$0.00} but does not show that I am paid in full. I 've contact Navient via email, phone and fax and this issue is still not resolved. Even when I spoke with their customer service they stated that I do n't owe any money but I 'd have to contact another department that took care of that issue ... but they only accept faxes! I sent a fax with my the copy of the credit report and a letter months ago and have not received a response. If I 'm wrong and owe them, fine, but contact me so I may know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : [ Late Payments ] 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 60 days late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I believed that the account was in auto pay that was coming out of my account automatically.

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear CFPB, I am writing you today because while reviewing my Experian credit report ( Report # XXXX ), I noticed several unauthorized inquiries being listed by Experian XXXX. XXXX XXXX XXXX, TX XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : 1 ) XXXX XXXX ON XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX 3 ) XXXX XXXX  XXXX ON XX/XX/XXXX 4 ) XXXX XXXX XXXX ON XX/XX/XXXX I have attempted to resolve this issue with Experian, all to no avail.

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 2017-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX

Complaint narrative:
For 13 consecutive months, Franklin American Mortgage Company ( FAMC ) has mismanaged two VA refinance loans originated in late XX/XX/XXXX. Both the CFPB and Texas Attorney General 's office were helpful in resolving many of the problems due to direct intervention in XX/XX/XXXX-XX/XX/XXXX. However, FAMC continues to violate the RESPA and my rights as a borrower in regard to these two loans. 

The loans in question : - XXXX XXXX XXXX ( rental property pending sale on XX/XX/XXXX ), loan # XXXX - XXXX XXXX XXXX ( primary residence ), loan # XXXX Fraudulent Late Fees : From XX/XX/XXXX - XX/XX/XXXX, FAMC misapplied monthly payments for the XXXX XXXX property ( loan # XXXX ) that were received in a timely manner per the loan agreement. FAMC 's actions caused processing delays and false, negative reports to credit reporting agencies. Following CFBP and Texas State Attorney General office intervention, it appears that FAMC has corrected the false credit reporting, but they continue to account for late fees from this time period to the amount of {$210.00} as of the XX/XX/XXXX statement. These fees were generated due to FAMC errors, not my payment history. I have attempted to get FAMC to clear these fees with no success. This property is under contract for sale with closing date schedule for XX/XX/XXXX. It is in both our best interests for these fees to be removed before then. 

Failure to Respond : I have sent multiple requests for FAMC and they seldom receive attention. My last formal request was sent in early XX/XX/XXXX and FAMC acknowledge receipt on XX/XX/XXXX. To date, they have not responded. The request was for the company to transfer both of these loans, especially the one for my primary residence ( XXXX XXXX, loan # XXXX ) to another mortgage servicing agency due to FAMC 's reported failures on every aspect of loan management - escrow, payment processing, and harassment that all stem from FAMC 's internal failures. Due to their repeated and continuing violations of the terms of the contract and the RESPA, I have no faith that FAMC will ever comply with either. Knowing that FAMC has such a significant impact on my financial well-being and credit rating is unacceptable. The only acceptable solution is that this loan be transferred to another mortgage servicing company. 

Objective : - Remove fraudulent late fees before the loan closes on XX/XX/XXXX and ensure these fees do not get included in the sales process. 
- Refund any late fees paid to date if the above is not completed timely. 
- Receive confirmation that FAMC has transferred loan XXXX ( XXXX XXXX XXXX ) to another mortgage servicing company.

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 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
I just recently opened my bank account here and I wish there was better clarification about the overdraft policy. But that is irrelevant. I entered into a contract and I was told by the company that I entered into a contract with that they would let me know if I was approved for the contract and then if I was approved that they would charge me a XXXX dollar payment. Since, I was never notified about my approval status, I was under the impression that I was rejected for the contract. However, I found out that they charged me a XXXX dollar payment and that I had somehow had been approved along the way without notification. Obviously, this is an incorrect practice. But First National Bank is punishing me for an action beyond my control with a XXXX dollar overdraft fee. Furthermore, I was locked out of my bank account and could not access it. If this bank error had not occurred and I had not been locked out, I would have been able to find out that my account was negative and restored it to a positive balance just in time for the overdraft fee not to be assessed. The bank account could have only been unlocked with a phone call to the bank customer service representatives and I was extremely busy nor did I know that I was going to be charged the payment ( and thus the overdraft fee ). Also, if this fee was assessed during the night, the customer service representatives were not available at that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I have a promotional balance of 0 % on my account. Before making additional purchases I called, on or around XXXX XXXX, to verify how additional purchases and subsequent payments would be applied ; wanting to maintain my 0 % and avoiding additional purchases to be subject to interest charges. I was informed that any amount paid above the minimum due would reduce the balance subject to interest charges first. At the time my due date was XXXX and the minimum due was {$58.00}. With this information I proceeded to make make purchases totaling {$5400.00}. 

On XXXX I made a payment of {$1900.00} and on XXXX a payment of {$3600.00}. These two payments total {$5500.00} clearly more than the minimum plus purchases. When I received my statement on XXXX my balance related to the 0 % promotional rate have been reduced and I had a balance of {$1400.00} that was subject to interest charges. I called customer service to get and explanation and I was told that this is how it works and they could do nothing about it. I explained that I had called to verify before making the purchases and was told any amount paid above the minimum due would reduce the balance subject to interest charges first. They said sorry but that was wrong and they could do nothing about it. I tried to get an explanation on how the payments were applied give only a portion of my purchases were subject to charges and I was told that is the average for the period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I TRIED TO get my report from free anual credit report website I only got XXXX  Report. XXXX and Experian kept saying there was an error try again later. Called XXXX and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called Experian was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information

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 2017-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I am a XXXX in XXXX, Ca. representing a client who is selling XXXX XXXX XXXX XXXX, CA. XXXX. The sellers accepted an offer from a buyer on XX/XX/XXXX. The lender handling the financing for the buyers purchase was Caliber homes loans, the loan officer was XXXX XXXX ( XXXX ) XXXX. The buyers conducted an appraisal on the property and then immediately had to cancel due to their inability to qualify for the loan. Caliber home loans was provided a case number from FHA and also submitted the appraisal in the FHA system. After I placed the home back on the market for my client and we received another offer from a buyer who is also utilizing FHA financing for their purchase. The new lender XXXX XXXX at ( XXXX ) XXXX made a formal request on approximately XX/XX/XXXX. Caliber home loans transferred the case number but not the appraisal attached to the case number. Without the appraisal the new lender is unable to move forward with the buyers loan. I spoke with XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and asked her to transfer the appraisal as requested and was told we had to pay for the appraisal to be transferred. I do n't understand how they can ask for my client to pay for an appraisal to the lender that was already paid for by the previous buyer. The are holding the appraisal hostage to the transaction they are no longer a part of. I spoke with the branch manager XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and he informed me that they would transfer the appraisal but needed a formal request from the subsequent lender. That formal request was already made and they are refusing to cooperate. My seller now is unable to close escrow on the sale of their home because of the lender who is no longer a part of the new transaction. Everyone is on hold because they are refusing to cooperate. Please contact me as soon as possible. XXXX XXXX XXXX XXXX with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP
State: TN

Complaint narrative:
I recently received a packet from XXXX XXXX XXXX XXXXe. I also received a letter from XXXX XXXX  Bank recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a mental XXXX and is receiving XXXX XXXX XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a substance abuser. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was XXXX in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the XXXX for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. XXXX XXXX have written a query for me showing my former employers. 
From XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with XXXX digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for XXXX years.

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 2017-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
once again synchrony has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that lowes the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX because of what happened I have not gotten a bill from synchrony bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the fraud department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from sychrny bank said there was no other accounts under the XXXX store that she thought maybe they went to the fraud department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from XXXX XXXX XXXX XXXX. synchrony bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/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 2017-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC
State: GA

Complaint narrative:
The main complaint is that this company is, has and will continue to use deceptive and misleading practices to collect debt in the State of Georgia, they do not have a certificate of authority to do business in the State of Georgia. Additionally, they are using their deceptive and fraudulent practices to negative impact the credit reports and scores of the consumers it interacts with. 

The company is not authorized to do business in Georgia, but fraudulently collected monies from me and continues to report erroneous, inaccurate and negative information to the credit bureaus. Consequently, I have been negatively impacted, denied credit and suffered harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Originally I took out student loans through XXXX XXXX but my current loan provider/carrier is Navient. When I first got out of college, the people from XXXX XXXX would call me and demand outrageous amounts of money for a monthly payment. They essentially wanted 30 % + of my monthly income and it was n't a payment that I could make. They were completely uninterested in the amount of money I was making, only the amount that I owed. This forced me to miss payments and put my loans into forbearance multiple times, something that has dramatically increased the principal of my loans and negatively effected my credit score severely. At some point, Navient came into the picture, and they seemed more reasonable when working out a realistic payment with me. They set me up on a payment plan of approximately $ XXXX but I never realized that this was not enough to cover the interest alone and that none of it was going to my principal - the principal is actually still growing as I 'm making these payments so I owe more money now than I did when I first signed up for this repayment plan, even though I have n't missed any payments. The plan I am on now takes 15 % of my gross income and I am to pay for 25 years. I was originally told that I would be on this plan for 10 years before I was eligible for loan forgiveness but I have recently learned that this option is only available to employees of non-profits and public service companies, which I am not. Today I learned that, all along, there was another payment plan I could have been on where they only took 10 % of my gross income for 20 years before I was eligible for loan forgiveness and that they " apologize for no one bringing this to my attention previously ''. Simply put, this new plan would theoretically have Navient taking less money from me per month for fewer months, essentially yielding them much less money in the long run, and the woman I spoke with could n't provide me with any information as to why I was n't on this plan all along. I do n't understand why they would have even offered me the higher plan without letting me know there was another option that would cost me less and I do n't trust their explanation. I am afraid that this plan will hurt me in some way and that the woman I spoke with on the phone at Navient just was n't able to explain it to me, or refused to explain it to me. The plan I am on now is increasing to $ XXXX in XXXX of XXXX and literally has me making this payment for essentially the rest of my life without ever touching, let along decreasing, the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: FL

Complaint narrative:
Amazing I receive a " report '' from Lexis Nexis implying I requested a copy. Their opening states " We were unable to locate your file with the information provided? '' Strange since they attached a number of reports. The FACT is they provided a report to XXXX XXXX XXXX which I distinctly advised the XXXX XXXX NOT to Process! That unsolicited of XXXX resulted in a rejection based on XXXX XXXX data- even stranger. So just what is it they can not comprehend? 1- I never solicited anything 2- They themselves state they need more information- 3- So why did they provide anything to XXXX- 4- why ca n't they locate us when the reports they submitted to use show driving data. 5- Evidently they can not or could not access our credit files so why would XXXX reject us outright?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: AES/PHEAA
State: DC

Complaint narrative:
I am following up on my earlier complaint with CFPB in regards to my student loan servicer, FedLoan Servicing. CFPB closed out the complaint after receiving a response from FedLoan indicating that the issue would be resolved shortly. That was about 6 months ago and I have still heard *nothing* from FedLoan about the correct attribution of my Public Service Loan Forgiveness payments ( even after calling/emailing over 2 dozen times over the past many months ). I would like to reopen my case ( XXXX  ) to resolve the issue. I have also reached out to the Department of Education a few times about this ongoing issue, but they have been unable to assist me ( I have n't even received any info from the Dept. of Ed. about my case ).
Can anyone explain to me why it has been 9 months and FedLoan still can not accurately count the number of PSLF qualifying payments on my account? Or even why, after 9 months, no one from FedLoan can even tell me what 's going on other than to say that I have to wait longer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
I am showing on my credit report that I have a debt with Credit World Services Inc. for a XXXX bill it is not mine. I tried to get in contact with the company and it is impossible, I need to get this resolved. PLEASE

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