vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My loans are consolidated with Navient. I was on an income-based repayment plan and was given paperwork that informed me if I did not annually sign up by competing the paperwork for the income based plan, that I would be automatically switched to a standard 10 year repayment plan. After a year, I contacted Navient and was told I was still on the income based plan even though I had not completed the paperwork in almost 2 years. I asked to switch to the standard repayment plan and was asked " well how much do you want to pay? '' and I had to then calculate how much I 'd like to pay monthly in order to pay my loans off in 10 years. In the last year alone, I 've put almost XXXX in to my loans in order to get out from under the crushing debt and 6.375 % interest rate. I could basically own a second home with how much I pay for getting a XXXX XXXX XXXX in order to XXXX ( where a XXXX XXXX XXXX is the bare minimum to be able to obtain a XXXX ). This company does not care about student well-being or even doing their job to assist us. They prey on young people with a poor understanding of their loan practices and then exploit them as much as possible. My story is just one, but I hear from friends all the time of similar situations where they were uninformed or taken advantage of by organizations that claim to help us manage the insane debt issued easily to us by the government. I will be following the Navient lawsuit and hope to see some compensation for myself, a hard-working XXXX year old with my XXXX child on the way who completed her XXXX and XXXX education as quickly as possible and found a job immediately after XXXX, and who has put her life on hold for 5 years while most of her income is given to companies who take home enourmous yearly salaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a line of credit with Bank of America. I left the account at a zero balance when I closed the account. I received a notification that I had a balance. I disputed the account but I was unable to provide proof because it was and old account. I called and I was told that if I pay the full amount that the account will be taken off my credit report. I paid however, I requested all documents with my account activities since I opened the account to verify where the error was and to proof that it was my mistake or not and I have not yet rcvd the documents and the account it 's still on my credit report. I called again and I was told that it will remain in my credit report for 7 years for an amount of {$71.00}. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Since the XXXX switch, I have had issues with this company, from minor to major. I had difficulty with navigating the website, costumer service was rude and not helpful making me feel uneducated on how to service my loans and they made paying off principal, not just interest impossible, even though I tried to allocate my payments to do so every month. I felt as though I would never get ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
PHH mortgage service has failed to update its records of my account being past due in XX/XX/XXXX and XX/XX/2012 despite my providing documentation of error and request to then and XXXX to correct. In late XX/XX/2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XX/XX/XXXX and on XX/XX/XXXX we made a combined XX/XX/XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I applied with Quicken Loans to purchase a home in XXXX. Our current residence is XXXX and I am a XXXX, XXXX employed for over XXXX years. We have high credit scores, a low debt to income ratio, and we are paying almost XXXX percent down. The reason for our decline is that Quicken is stating they will not do a loan for a XXXX employed person moving out of XXXX. This is quite a statement coming from a company who markets all over the United States. I can do business in XXXX or any State from any location. Our company has the tools to use the internet to conduct our business without having to meet face to face. My wife and I have been discriminated against based on a XXXX employment income. We have a ten thousand dollar deposit on the house and may very well lose that deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: HI

Complaint narrative:
My XXXX Mortgage was sold to LenderLive XXXX. I was switching banks in XXXX and called LenderLive to ask when my mortgage was due before a late fee. I was told XXXX mountain time. After all my bank accounts switched I paid my mortgage electronically on XX/XX/XXXX and thought all was fine. On XX/XX/XXXX I received a letter that my payment was overdue so I called and the agent told me payment was applied and all was fine. I then made my XX/XX/XXXX payment on XX/XX/XXXX like normal. In mid XX/XX/XXXX I received a letter stating my mortgage was now past due by more than 30 days. I also checked my FICO score and to my surprise it had suddenly fallen by more than XXXX points! I again called LenderLive and was told that all was fine. It took me going to XXXX supervisors before learning that my XX/XX/XXXX payment was received but never applied to my loan. It is now XX/XX/XXXX and my credit score has it been fully restored nor has LenderLive returned the {$60.00} " late fee '' they assessed. I feel like I 've been robbed and this is the worst bank ever. EXTREMELY SKETCHY.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: HI

Complaint narrative:
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, HI. XXXX, XXXX XXXX Re : My A/C # XXXXDear Sir, I am sorry for not responding earlier to your XXXX fictitious credit card bill charges of XX/XX/XXXX and XXXX 2015 as I was medically incapacitated. I had XXXX XXXX in XX/XX/XXXX and was XXXX for a week in XXXX for XXXX. 
The XX/XX/XXXX statement shows a {$12.00} charge for an XXXX XXXX. The XX/XX/XXXX statement shows the very same charge again of {$12.00} for XXXX XXXX. Added to that is an interest charge of {$1.00} for a total due balance of {$27.00}. 
I did not incur these XXXX debts and have never purchased anything for {$12.00}. This is the handy work of the criminal enterprise known as XXXX. As its credit card company, you are also now its accomplice. The only XXXX items that I purchased at separate times recently were XXXX generic stereo earphones. XXXX was on sale for {$6.00} and the other was on sale for {$4.00}. I paid for these XXXX items with my accumulated " XXXX Super points ''. I currently have have a total of XXXX or {$24.00} left. Now, please tell me why I would chose to pay for these XXXX items via my credit card when I have the Super points to use? Which idiot would do that? But XXXX has devised a way to double dip for the same purchased item : Once via the Super points at the sale price and once again via the credit card at its full undiscounted price which I presume was {$12.00}. 
Please allow me to tell you how they get to XXXX from their customers twice : once from deducting the purchase price from your Super Points and again by sending a bill to the credit card company for the full undiscounted price for the same item. XXXX has devised a very clever way to achieve that : When you purchase an item intended to be paid with the Super Points, the " Payment Option Page '' prior to check out does not include the option to pay with your Super Points as a payment option. Imagine that. But in order to proceed to checkout, you must give them a credit card number, including the " secret number '' on the back of the card. When I emailed XXXX asking them why do you need my credit card number since I intend to use my Super points, they answered that it 's for security reasons. What security is that? They know exactly how many Super Points I have and whether I can pay for the merchandise via this method. Only at the very last page of the " check out " process, there is a small window at the very bottom to indicate payment with Super Points. They then deduct the discounted purchase price from your Super points and simultaneously send a bill to XXXX card company for the full " undiscounted price '' of the item. This is the most blatant type of fraud and thievery. 
I am requesting, in closing, that you reverse the charges totaling {$27.00} and send me a statement reflecting a zero balance due. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have XXXX negative marks against my credit from equifax credit reporting agency. XXXX is a public record from a company that closed and I never use before. I disputed and proved it was n't mines and XXXX and XXXX took it off immediately but equifax refuse to remove it even after its been proven it 's not mines. And a new collections just popped up only on my credit report that 's not mines and the refuse to provide me or equifax proof I owe it and equifax refuse to remove it off my credit report. Another company XXXX keeps saying I owe them with no proof of a signed contract. XXXX deletes it but equifax wo n't deleted at all even after proving I did n't owe the debt. Something has to be done. I 'm ready to sue equifax for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
The interest rate got too high, i paid more than minimum due and got stiffed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
In relation to Navient loans assumed in my behalf from 2009 to present. Through XXXX University, I had requested a LOA due to XXXX ; the Student Advisor never released me from classes and they still charged me. XXXX is still trying to charge to me {$5200.00} for this time period that I requested a medical leave. I did previously sign up as a XXXX student due to my XXXX XXXX and being on XXXX. They refuse to allow to me finish my last XXXX courses to finish my degree. I requested Navient REMOVE the XXXX loans from 2009, these loans were never received by me and XXXX had been sued for this time period. They will not. I had requested numerous times for income based repayment or forebearance, only for it to takes months ; interest and late fees accruing. The last forebearance request was met with an plethora of paperwork demanding doctors visits and XXXX, I already have Social Security and sent them the paperwork. I explained that was not necessary. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I graduated college in XX/XX/XXXX. Through the past years I had trouble paying my monthly payments for the loans. I did deferments and forebearances throughout the years while I went to XXXX in the XXXX. I graduated in XX/XX/XXXX. I am not a XXXX though now. .My student Loan provider was XXXX and then changed to Navient. Since XX/XX/XXXX, I have made payments every month with a couple of late ones but always paid the amount owed. I have made a total payments of around XXXX dollars but yet my principal balance has not gone down at all. I do n't understand how this can be. I do n't know why some of my payments are not going toward the principal balance. All I have been doing is paying interest or something. I heard there is some lawsuit. Do I get to be a part of that or how do I join that lawsuit against this company? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2015, I received an alert from a credit monitoring service that I subscribe to that I had an open collection with Convergence Outsourcing Inc. for the amount of {$290.00}. I immediately contacted Convergent and spoke with XXXX XXXX, who informed me that XXXX had sent this account to collections. He stated that I had cable services at XXXX XXXX XXXX XXXX, XXXX, IL. I explained that I have never lived at that address, nor did I ever have services. I explained that I have never received any correspondence notifying me of any debt and this is not my account. I 'm in the process of purchasing a home and ( this account that does not belong to me ) could possibly ruin my chances of becoming a home owner. 
I then called XXXX at XXXX and spoke with XXXX. I provided her with my address and she stated that there was no record in the system. I then provided her with my social security number and she again confirmed that there was nothing in the system except for my name, I asked her how does one get services she said through social security number, she too said that this was very odd. My question is how did this credit collection agency get access to my credit file and destroy it if there is not an account in XXXX system belonging to me? 

Convergent has destroyed my credit, my score plummet XXXX points, and I 'm in danger of losing everything that I have worked so hard for to purchase my first home. My credit file was in great standing. I have no knowledge of this account. I need this account to be removed immediately. This company is using deceptive practices and ruining my credit score and credit file. 
I 'm literally XXXX days away from purchasing my first home, and this negative mark on my credit may have destroyed my dream, thanks to this fraudulent company and their disregard for FCRA. 

I just want this information removed. I have worked to hard to maintain my good credit for this collection agency to take it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago XXXX acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for XXXX and Experian Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.

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 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been with wellsfargo for over 6 yrs. I have notice and call about my account as well as going into the bank about my checking account. Every month it seems like money is missing .and my online account changes daily.Even when I 'm not using my card or taking out my from account. when I question them about this, they say its not them. Its me. I do know how to kept on with my accounts.I had banks account for over 40 yrs. Also I have notice that wells fargo checks my credit without permission .For 1 loan they ran it 3 times in 10 days.I have contact them about this as well and I get told that they r investigating it. and I would hear from them on XX/XX/XXXX. Instead a receive a letter telling me that its going to take more time. Three times as changed the dates on this problem. I believe that I have at account that I 'm not aware of. Befor I use my card, I check balance to be sure.and they could be a wk between uses the card, yet when i go back on my account the amount is different with no charges pending.

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 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Have been dealing with XXXX about XXXX 30 day late marks on my credit reports for months. It all started because their system would n't allow me to pay online and the representative would not take a payment over the phone either. Even talked to the executive office VP and he has n't helped one bit. He told me he would tackle it one task at a time. Even called to tell me I can pay online because it has been fixed. Well I go to make my payment this month and it 's still not correct. I sent them a certified letter back when this all started and they sent me a generic form letter saying the information is correct but failed to mark my credit report disputed to this day so by law they should have fixed what is needed for violation that time frame.

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 2015-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I feel I was illegally maneuvered by Wells Fargo Bank back in XXXX of 2007 into aSmartFit Home Equity Account Agreement when I went to them for a home equityloan to pay off credit card debt which I had. I only needed around $ XXXX loan topay off these bills and have a new roof put onto my house. But, I was directed into a " Smart Fit '' Home Equity line of credit of {$170000.00}. And, since my savings and checking accounts were with Wells Fargo, they set it up on an automatic payment system to hide, in my opinion, how much my monthly payment was that they were taking out. And, because they set it up for interest only payments, I have been making payments since XX/XX/2007 and have not seen any decrease in my loan amount. Since they made it so easy to access this account, I have used up the entire {$170000.00} amount that they initially set up ( Wells Fargo, I feel, knew this would happen ). This type of loan practice, I feel, should be illegal! Officials at Wells Fargo know, I feel through past customer history, that giving customers more loan amount than they want, they will use up the amount given them and put them in financial trouble, possibly causing foreclosure on their property. 

I am sure that they have many other clients with the SmartFit Home Equity Line of Credit in the same dire circumstances as myself! The name Wells Fargo came up with for this loan, SmartFit, intentionally deceives the borrower into thinking that they are getting a Smart loan with no principal payment due for the first XXXX years! 

Best time to call : Anytime on my cell phone at XXXXXXXXSincerely, XXXX XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. XXXX XXXX, XXXX I made a Cash Deposit ( CD ). There was no activity regarding the account. I never got notified about it. On XXXX XXXX, XXXX I went into Wells Fargo to claim my CD and obtain any information about it. Wells Fargo told me I had to wait ten days to hear from them. They called me and told me that the bank is still waiting. I called them and spoke with XXXX who told me to call the Wells Fargo claim department. So, I called and they told me to go to the branch where I deposited the money. When I arrived, they told me that they can not find any record anymore and the account was closed on XXXX XXXX. However, I never closed the account and was looking for my money. I was referred to the unclaimed properties of Wells Fargo. I called them and they told me they do not have it. I asked them how do I proceed. I was then directed to the State Controller. I called the number and they told me to ask for a letter of proof of deliverance from the bank. The bank gave me the letter and I faxed/emailed it on Friday, XXXX XXXX. Today is Tuesday, XXXX XXXX. I received an email from the state controller saying that they never had it. I printed it out and took it to the bank. I talked to an executive banker who told me that he could not find the account and could only find my social security number. They told me there was nothing they could do. 

I am a XXXX year old woman. I placed my money into the bank hoping to make some money over the years through the interest. I never received any notices from anyone about my cash deposit. I 've lived in the same place. The have my address. I do n't know where my money went, but I hope and pray that this can be solved. Ive been given the run around. I 've contacted many different departments in the hope that my issue will be resolved.

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