vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
XOOM money transfer Transaction XXXX was initiated buy me on XX/XX/2019 XXXX XXXX to send to money to my brother-in-law in XXXX for US {$1500.00}, they deducted money from my bank they are neither refunding my money nor they are sending money to my brother-in-law. I called them every day for more than 25 calls, send the proof of my brother-in-laws bank transaction. They say they are going to refund my money and send a email confirmation and they are never doing it from past 3 weeks. 

Please take action as soon as possible, This XOOM company is fraud, Please cancel there license and do justice to me and all customers who are going through this Fraud company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have 2 separate lenders- XXXX and Navient. I was having trouble paying XXXX and Navient was still in the grace period this Spring ( 2019 ). I completed the income-based repayment request. XXXX lowered my payment. Navient determined that I can pay over $ XXXX. They are refusing to work with me for a payment option that works and are instead happy to help me go into forbearance and accrue more interest or simply default. This should be illegal- I want to pay them, but I also can not afford the amount they are proposing. I am not going to financially ruin my family to pay this back- that was not the point of going back to school. I am getting nowhere with the representatives at Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XXXX XXXX, 2019 the car in question ( XXXX XXXX ) was reposed from a location in XXXX, Ca, by way of a tracking device ( installed in the car ). This location is not on file with car finance company ( Bridgecrest ). Representatives at Bridgecrest advised that the towing company took the car to a tow yard in XXXX, Ca. The balance to reinstate the loan on XXXX XXXX, 2019 was {$1700.00}. The loan was reinstated on XXXX XXXX, 2019 at XXXX ( XXXX ) in the amount of {$2000.00}. On XX/XX/, 2019 Bridgcrest representatives ( about 7 Reps ) advised the car would be delivered to Nevada for auction and owner would have to go to Nevada to retrieve the vehicle. A flight was taken from XXXX  to XXXX XXXX, NV on XXXX XXXX, 2019. On XXXX XXXX, 2019 at XXXX XXXX the auction company that is scheduled to receive the vehicle advises the vehicle has not made it and to call back in a few hours. On XXXX XXXX, 2019 at approximately XXXX XXXX   XXXX auction company advises vehicle is still not there. At approximately XXXX XXXX   Bridgecrest representatives advise the vehicle is still in California . Manager XXXX at Bridgecrest states that she will place an order to have vehicle sent to dealership owners choice and vehicle will be ready for pick up on XXXX XXXX, 2019. XXXX agrees to send car to : XXXX XXXX XXXX, XXXX ca, XXXX. In addition XXXX provides email address and fax number to arrange for reimbursement of flight and hotel expenses due to inconvenience and misinformation of Bridgecrest. On XXXX XXXX, 2019 at approximately XXXX XXXX XXXX, Bridgecrest informs that they are unable to locate car and can not provide a time for car retrieval. XXXX Manager at Bridgecrest advises they aren't able to reach their Transportation Company and is unaware of the location of all of Bridgecrest 's  fleet of cars including the XXXX XXXX that has been paid and reinstated. As of XXXX XXXX, 2019 3 business days since the car has been reinstated, the car has not been retrieved nor has the location of the vehicle been provided due to the negligence and uncooperation of Bridgecrest Financial. Attached you will find receipts for the flights, hotel and parking services as well as statements for taxi rides while in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, -- I am very upset with Navient not honoring what was stated in a notification letter to me dated XX/XX/XXXX. 

-- The letter stated : " XXXX, your loans listed below are now successfully enrolled in our Auto Pay program. 
The payment amount of {$0.00} will be automatically extracted from your designated bank account on the same day of each month. Your first withdrawal will be XX/XX/XXXX. 

Loan Information LOAN DATE ORIGINAL LOAN AMOUNT OUTSTANDING PRINCIPAL INTEREST RATE LOAN PROGRAM XX/XX/XXXX {$33000.00} {$31000.00} XXXX XXXX  XX/XX/XXXX {$33000.00} {$38000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$36000.00} XXXX XXXX   XX/XX/XXXX {$33000.00} {$35000.00} XXXX XXXX '' -- Since I received this confirmation in a letter from Navient, I believed that my loans would be at those interest rates stated in the letter. For some reason, only my 1st loan 's interest rate matched with what was stated in the letter, and the other 3 loans did not get enrolled into Autopay with new interest rate as the letter stated. 

-- I have been compounding interest on my other 3 loans at incorrect interest rates from XX/XX/XXXX  until now. They have been compounding at 5.84 %, 5.31 %, 6 %., instead of what was stated in Navient 's confirmation letter. 

-- Even though I received confirmation of Autopay enrollment for ALL my loans in XX/XX/XXXX, they weren't aren't all enrolled into Autopay until XX/XX/XXXX because I had to submit the request again on XX/XX/XXXX. 

-- I want Navient to correct the amount of interest I have accrued from XX/XX/XXXX until now to reflect the interest rates that should have been implemented as per that confirmation letter. I should not be held responsible to pay for a mistake in the system that was on Navient 's part. 

-- I first emailed Navient to ask about the discrepancy and the response I received was only stating the current status of my loans and interest rate - which I was well aware of. There was no explanation as to why I needed to re-submit autopay enrollment request for the other 3 loans when I already did back in XX/XX/XXXX and received confirmation that they were all enrolled with new reduced interest rates. 

-- I called and spoke to Navient customer service representative XXXX XX/XX/XXXX XXXX and he said he could not figure out why only 1 of my loans were enrolled into Autopay when I had received confirmation for all 4. He could not find any notices of cancellation or dis-enrollment, but he assured me that my loans are all enrolled in Autopay at this moment. When I asked if there was any way to retroactively correct my loan interest rates from XX/XX/XXXX until now, he said there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NV

Complaint narrative:
On XXXX/XXXX/19 my checking account was overdrawn by approximately {$6.00} resulting in a {$36.00} charge. I have an alert system with the bank in place that warns me when my balance drops below {$500.00}. On that date I was notified that I had a positive balance and knowing that electronic regular deposits would arrive on XX/XX/XXXX or XXXX I did not transfer additional funds relying on the bank 's notification that I had a positive balance. 
On the morning of XXXX I learned that a small outstanding check had caused a very modest overdraft ; I called the bank expecting a reversal of the {$36.00} charge but the clerk refused taking no notice of the fact the bank had formally informed me by email on XX/XX/XXXX that there were funds in the account. I asked for a supervisor who subsequently called me on XXXX still refusing to reverse the charge. 
I feel this is a deceptive practice as I relied of the Bank 's confirmation of positive funds on the same day as the overdraft had occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
CONTACTED THE COMPANY LONG TIME AGO TO SOLVE THE ISSUE, NO RESULTS. 
I WAS GOING THROUGH A HARDSHIP BETWEEN XXXX AND XXXX NO JOB. I NEED THOSE LATE PAYMENTS FOR THOSE 2 YEARS BE REMOVED.

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 2019-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I submitted Income based repayment to Navient on XXXX/XXXX/19 well within my 45 day timeframe for processing my loans that were set to come out of grace on XXXX/XXXX/19. On XX/XX/XXXX I received emails that my IBR had been processed and approved. However the amounts approved are more than my income. I also have XXXX loans that are on IBR and are a {$0.00} a month payment. They are wanting {$140.00} on one set of loans and {$1300.00} on another. My AGI for the previous tax year is under XXXX well under the poverty line so I should have a {$0.00} IBR payment. Today my loans updated to a total amount due of {$1500.00} on XXXX/XXXX/19. I was told that my IBR submission wasn't processed for those loans and went to another loan. I am not sure why they can't get their information correctly and process my IBR correctly, I shouldn't have to submit my application 6 times like I have since XXXX. I resubmitted my application on XXXX/XXXX/19 and was told that I was due to pay the total amount due because it wouldn't be processed in time. This is ridiculous- this is more than I make a month and not even feasible when I have submitted what was due on the following dates : XXXX, XX/XX/XXXX, and now once again XXXX. This better be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have been contacting and working with Navient [ again ] for the past 13 months, [ last XX/XX/2018 i contacted and tried to get my Loan modified, and they turned around and AGAIN changed the terms and payment and have me pay ever MORE, by charging me for a " Forbearance '' and charging me over {$63.00} PER MONTH, just to use the Forbearance, while adding to my overall penalties from the last time they extorted me from over 20 years ago, and my loan then was {$10000.00}, now it is closer to {$16000.00}! 


I have talked to NUMEROUS people and agents, and they always have steered me to wrong options and financial choices, on trying to repay the student loan, as i wanted a INCOME BASED PAYMENT, and Navient [ after numerous requests! ] does not send me the payment history [ i have paid this for over 10-13 years BEFORE I LOST INCOME! ] and the payments keep going up since MY payments only include the interest NOT the principle of the loan! 


I have been VERY PATIENT, and have most documents and old papers they have sent to me for the past 27 years and more! My school closed down, [ XXXX XXXX XXXX XXXX ] after the months i graduated. I have not found much work as the school was a fraud! 

CAN you help me with dealing with them, as i suffer now from XXXX and maybe have to drop out the work force! 

If you can help i think i can provide much more. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase credit card, in which I always pay on time, in the credit reports XXXX, XXXX and XXXX XXXX appear as negative status this Chase credit card because they have registered late payments on XX/XX/XXXX and on XX/XX/XXXX. 

I have this credit card since XX/XX/XXXX to present, and I never paid late. I do not know way the have this late payments register on the sistem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
equifax is continuing to report incorrect information on my report. My current address was reporting as my previous address and there is two addresses on there that still needs to be removed. I disputed 2 addresses and got an email saying that my dispute results were ready and they were removed from my credit report. Now I called in on XX/XX/XXXX to get my current address updated and the supervisor updated it. After I hung up updated my credit report to make sure it was updated and realized she added an apartment number on there that I never told her to add on there. I called back and they also told me that the two addresses that were disputed and removed were also added back to my report. This is against the FCRA. I am willing to take this matter to court and sue if this does not get fixed immediately. I am uploading my current Identification card to this portal with my current address without the apartment number that the supervisor added on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Avant Credit Corporation
State: NY

Complaint narrative:
I applied for a loan to this company, and I sign everything but I made one mistake and enter a wrong bank information because I was XXXX, and a few day later I call the company to hold on the fund and not processed it to the bank that was on the the application, and a customer service promised the fund wouldn't be transfer, and I was advice to send the correct bank information, and the money would be transfer. I thought they fix everything, after awhile I didn't see the money put into my bank account which was supposed to be around {$9000.00}, and I was told they deposit the money to the wrong bank account when I told them not. I was upset, and they charge me an administration fee which is {$500.00}, and I call the person they put the money to return the money to the account will the send it to me, and I was told yes. all of it was a lie. avant didn't inform me if I was going to get the money. I kept calling and customer services kept lying, and giving the resolution team kept have me waiting for weeks before emailing, and they unable to find a solution. and they want to make payment when I didn't received any fund from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX I posted a listing to XXXX for my couch. I was asking {$1000.00}. Somebody contacted me and said they'd not only buy it but they'd pay for a mover to pick it up. They emailed me a check for {$2500.00}. {$1000.00} for me {$100.00} for me to hold the couch and {$1400.00} for the movers to pick it up and bring it to their son 's house for his birthday. I deposited that check. They said that the movers wanted to be payed before pick up. I called my bank, the XXXX XXXX XXXX XXXX, and the bank told me the check had cleared. I thought that the word cleared meant that the money was officially mine, so I payed the movers a holding fee of {$500.00} out of that {$2500.00} check. The next day, XX/XX/XXXX, they wanted me to send the remaining movers payment, so {$900.00}, but not using the original means of payment which is a XXXX   XXXX app called Zelle. I thought that was very strange that I had to pay these movers before the job was done. And they wanted me to wire the {$900.00} to a person in Kentucky using a XXXX money transfer. I said that was odd and they then begged me to try XXXX, XXXX, and XXXX XXXX. I knew something bad was happening and I said no to each. Each time they gave some excuse and a new username to send the {$900.00} to. I called my bank because I was suspicious. They told me I had been scammed and that the check would likely bounce. In the event of that happening I would be legally responsible for the {$500.00} that I sent over the XXXX XXXX app, Zelle. Sure enough the check bounced and I was negative {$500.00}. I froze my account to keep anything else crazy from happening. I called Zelle trying to cancel the transaction and Zelle said they couldn't do that and they weren't responsible for the transaction, but the woman on the phone barely spoke English and I doubt she understood me. I went to the police and filled a report and made a statement. They transferred my case to a detective in the fraud unit and I'm waiting to hear back from them. I was working today and I went to check my account. I had spent {$97.00} when I thought I had just made {$1000.00} selling my couch, so that makes sense. I sent {$500.00} when I was scammed and the bank says I'm responsible for that. But now it says I owe another {$2500.00} for a total of like {$3000.00}. That doesnt make sense to me. I can see how the {$2500.00} check was deducted from my account, taking my balance from {$2000.00} ( remember that I payed the " movers '' {$500.00} ) down to a negative {$500.00}. However now my balance says its negative {$3000.00}. How is that possible? I've called every phone number connected to the bank and each time they say I'll get a call back when the bank isn't busy .... but I'm still waiting for that call and it the mean time who knows what's happening to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STIFEL FINANCIAL CORP.
State: MO

Complaint narrative:
When applying for a loan, the first appraisal was too low so the loan officer, XXXX XXXX, XXXX, shopped the appraisal and it came back at exactly what was needed to secure the loan, unsurprisingly. When rates dropped nationally, after the fed cut rates and reporting on national trends dropping material amounts, even though we had been assured a floating rate lock securing us against rate drops prior to closing, infact it had once dropped during the process. The company refused to honor their commitment to that as it was just a lie by XXXX as it turns out, and then the same salesman, XXXX XXXX called me unethical and hung up on the phone call, refusing to discuss when I brought the issues up prior to closing.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian is showing 8 late accounts. These accounts were discharged under bankruptcy. While they are showing my bankruptcy, they are also showing 8 accounts as late when they have been discharged, therefore, lowering my score. XXXX and XXXX have it correct. This is an incorrect practice. I should be showing my bankruptcy not late accounts. I have already disputed and there was no change ; still showing late and it states it as late payments. Please correct this

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, Experian received my claim, which they disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report because these accounts are not mine. 

The accounts that are incorrectly reported are the following : 1 ) XXXX XXXX XXXX account # : XXXX date open : XX/XX/XXXX. 

2 ) XXXX XXXX ACCOUNT # XXXX, Date Opened : 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