vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 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: TX

Complaint narrative:
The first and most prevalent situation being the financial, I secured two different student loans totaling {$74000.00} through Sallie Mae, then consolidated them in XXXX to begin repayment. Over the years the loans were consolidated and that consolidated loan was transferred to XXXX  XXXX. During the life of this loan I have made 187 full and partial payments averaging {$620.00} per payment for a total of {$110000.00} paid toward principal and interest on the loan. There have been times that I have deferred payments through XXXX Forbearance option, for an estimated total of 25 months out of the past 209 months. 
A side note, Navient is currently being sued by the States Attorney Generals of Washington and Illinois for predatory lending practices and over use of the Forbearance option which is vastly more expensive for the consumer as compared to other available options for payment allowances. Navients preferred use of the Forbearance is predatory and overwhelming slanted toward enriching Navient. 
This loan is compounded daily at 8.25 % interest, during the forbearance periods that I utilized, the interest is capitalized thus increasing the principal balance at a rapid rate. Meanwhile, at no time does Navient provide monthly statements itemizing the principal balance, capitalized interest added or the new balance amount, thus leaving the consumer virtually unaware of the compounding affect of forbearance on their overall position with Navient. The total capitalized interest as per Navient records during times of Forbearance totaled to {$28000.00}, meanwhile the current principal balance has increased from the {$74000.00} to a new total of {$83000.00}, despite 187 payments totaling {$110000.00}. 
I am not a forensic accountant but I do have a better than common understanding of accrued interest and debt service. these numbers combined with Navients failure or refusal to produce monthly statements itemizing totals and balances, lends me to suspect outright fraud. Navient will only produce documentation pertaining to payment history and capitalized interest ; there is no record of past or new balances on a monthly or even annual basis. If, for lack of any other choices, I continue to pay off this loan through full amortization I will have been required to pay $ 750+ per  month for a total of {$270000.00} ending year XXXX, for an original {$74000.00}, I will be XXXX years old. If this is the price for bettering yourself, what is the point?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: FL

Complaint narrative:
XXXX XXXX COMPANY Mailing Address XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF XXXX XXXX AND XXXX XXXX STATEMENTS XXXX XXXX DATE PAID XX/XX/XXXX extension XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00}XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XXXX. and XXXX XXXX ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!!
** XXXX XXXX EXTENSION GIVEN!! ( 30 days late per  XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX Per these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!! Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/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 2017-08-30 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: FL

Complaint narrative:
XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX STATEMENTS XXXX XXXX DATE PAID XX/XX/XXXX extension XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX EXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX Per these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Today,XX/XX/XXXX, I have dismissed the recent litigation against SPS. So please answer my questions. 

I am again requesting a criminal investigation with you, among other investigative institutions. This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. 

I requested the name of the XXXX XXXX that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX Mortgage XXXX as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XX/XX/XXXX and could not sign or transfer any documents or Assignments ( As attached ). Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XX/XX/XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. 

I have sent a XXXX asking basic accounting questions about records which SPS does n't seem to have.

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 2017-08-30 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: CA

Complaint narrative:
XXXX routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then XXXX changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I had my credit pulled for home loan application in XX/XX/XXXX. I was told there was a judgement listed from Portfolio Recovery  Associates ( PRA ). I called PRA and initiallyPRA said I did n't have an account with them, It turned out that it was my ex husband 's ( XXXX XXXX ) account, but I was listed in judgement ( XX/XX/XXXX community property law ). I asked how much the debt was and if I could negotiate something. PRA told me they could n't speak to me about it because it was n't my account. Finally, I was transferred to XXXX XXXX who negotiated a settlement with me. She told me that the total owed was about {$8000.00} with fees and such. I settled it for {$4000.00}. Two payments of  {$2000.00} each, XXXX told me to call a week after the last payment and PRA would send me the Satisfaction of Judgement Document. I called a week after last payment, was on phone for 20 minutes, PRA refused to talk to me because it was my ex husbands account and not mine. I called about 4 times in a week. Finally, PRA would speak to me and each time I was told something different. I never received SOJ and I later found out from the courthouse in XX/XX/XXXX that the judgement had expired and was n't even valid anymore.
I feel that PRA collected on false pretense and the agreement I entered into was for the judgment against me, ( which didnt exist at the time ). The account was never mine. I to this day never received a SOJ. I am extremely frustrated are hoping that you can help.
I never knew about judgement because my ex was served and not me. We lived in XX/XX/XXXX during judgement service, XXXX. I just paid this in XXXX, I currently live in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXX letter for which they have approved to remove this delinquency, but XXXX is not removing and does not cooperate, the other two bureaus have already removed except XXXX. 
thank you for your understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
On XXXX XXXX 2017, a check, Number XXXX, in the amount of XXXX was presented to XXXX XXXX XXXX in XXXX PA. This account is an XXXX dedicated account ; all disbursements must be by check. I am the custodian on this account, which belongs to a XXXX XXXX XXXX XXXX. The custodial relationship is listed on both the check and the account. 

On that day, the check was declined without good cause by " Certegy ''. 

After such decline, a Consumer File Disclosure Report was requested from Certegy.That report 's control number is XXXX The information on that report consists solely of the fact that they declined the check, and that there is no other information on file. Six pages of FCRA legal boilerplate, and NO useful information provided at all. 

Note that this account is over 8 years old, and carefully managed. There has never been an overdrawn check on this account. Typical use occurs while the XXXX XXXX XXXX or XXXX XXXX, and a declined check could spell a disaster, so having a valid check declined out of hand for NO justifiable reason is unacceptable.

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 2017-08-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXXletter for which they have approved to remove this delinquency, but experian is not removing and does not cooperate, the other two bureaus have already removed except experian. 
thank you for your understanding

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 2017-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Sent a {$10000.00} check to Caliber Home Loans on XX/X/2016 and wrote on it " Apply to Principal ''. Never the less, they did not and according to my mortgage broker Caliber owes me approx {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Recovery Solutions, LLC
State: NY

Complaint narrative:
I get calls all the time from random numbers around the country saying there is a complaint against me. Sometimes they are recordings and other times they are people throwing out scary words such as " garnish, affidavit, etc '' Now they are calling my wife and my mother-in-law and this is why I have submitted my complaint to you. 


The most recent numbers are : XXXX XXXX I am more than happy to help you catch them!

Company response to consumer: Untimely response
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
A lien from a company we do n't know anything about ( XXXX XXXX XXXX XXXX ) has been placed. 

***We have paid { everything }, the mortgage, credit cards, etc. 

You could see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
MY CAPITAL ONE ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I returned from an overseas cruise to XXXX XXXX XXXX Florida, upon my arrival I rented a car and drove to XXXX Florida which is a three hour drive, once in XXXX I stopped a the XXXX XXXX ( XXXX ) and shipped 5 items to my XXXX, Maryland address this charge is clearly stated on my cards statement. On the same day minutes later someone at a XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. Removed {$82.00}, 6 times in a row I was also charged {$2.00} 6 times at the time of this Theft I was attempting a purchase at XXXX restaurant which was declined even though I had an additional {$300.00}. XXXX in my account upon this problem I call XXXX and was disrespected by numerous customer reps. suddenly my account was closed and it was said i did something wrong but no one could tell me what it was. 
Finally on XX/XX/XXXX XXXX claimed to be sending the remaining {$300.00} in my account to date I have not received my money nor has XXXX attempted to fix this obvious problem and return my {$810.00}. I can not be in Florida and California at the same time. 
also my card had been replaced 4 times without my request an all XXXX did was say it was a security issue with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Integrity Group Inc
State: PA

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX, I was contacted regarding help with forgiveness on federal student loans. A gentleman named XXXX working for Integrity Group, Inc.spoke with me regarding the process. He explained I would save thousands of dollars on federal  student loans if I would let them help me. I explained that my loans were in forebearance and he said that did not matter. This process would kick in once forebearance ran out which was not until XX/XX/XXXX. I agreed. Paperwork was completed and it appears XXXX XXXX XXXX paid Integrity Group {$1300.00} on my behalf. I was to pay XXXX {$39.00} a month till paid in full. He explained that someone would be in touch with me to move forward. I next spoke with XXXX XXXX from Integrity Group who said he would be administering the process for my student loan forgiveness. As forebearance time came near, I logged into my XXXX account and saw no activity adjusting the promised monthly amount. I called XXXX at Integrity and he assured me something must just be hanging up somewhere and he would fix it and get back to me. I waited a week or so and heard nothing from him. I logged into my account again and there was no change. I then called XXXX and spoke to an associate. She checked andsaid there had been no one in my account or asking regarding my account. I explained to her what I just explained above and she said I should not pay any more dollars as it appears someone was taking advantage of a situation that I could, indeed, do myself. She helped me through the process of loan forgiveness with the adjusted amount. I have not heard from Integrity at all. Of course, I get notices that my {$39.00} is due. I have not paid XXXX amount.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-30 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:
MY XXXX XXXX ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: CA

Complaint narrative:
MY XXXX XXXX ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU

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 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In continuation of complain XXXX, I submitted a complain to CFBP, and I am confused that TD has closed my complain without resolving it completely. TD failed to either deliver the funds to benificery nor do they refunded it to me. No confirmation were provided by TD about the availableity of funds. Unfortunately, the funds are still not available to the benificiery and TD has closed the complain without a complete resolution. 
I have been working very actively on it as always. What I could learn that TD has opened up a recal which limits the availability of funds to the befinciery and even at lapse of 2 weeks they could n't cancel those re calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have submitted paperwork several times and keep getting asked for the same things. Attached is a name affidavit, the letter for the name, hud-1, and the utility bill with correct name and address. Please let me know what else is missing the Buyer is getting impatient and this is taking forever to get an approval letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
It 's blocking from enabling external applications

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