vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient continues to set up my payment amounts incorrectly , resulting in me having to make multiple phone calls to get to the bottom of the issue. Every time I speak with a representative about what 's going on with my account, I get a different answer about what the representative did wrong. I am then told the issue is " fixed '' and it ends up being fixed in error and the whole process starts again. I do not trust that they know what they 're doing, nor do they communicate well with their customers.   Currently my account shows a past due amount even though they set up my automatic payments for me and assured me that it was done correctly this time. I am very frustrated that this company ca n't seem to figure out what is going on with my account, leaving me feeling like I 'm paying monthly payments without it actually being applied to what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a letter fro m Speedy Cash  around the end of   XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately call ed Speedy Cash after r eceiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called  Speedy Cash and with my permission paid/settled on the balance. I was told the negative reporting wo uld be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balanc e. I called Speedy Cash today and they told me to file a complaint with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 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: CO

Complaint narrative:
In XX/XX/XXXX , I paid off my four student loans with FedLoan. I received a letter saying all my loans were paid in full and I had a {$0.00} balance for all four loans. Then, in  XX/XX/XXXX  I received a bill stating that all  XXXX  loans once again had a balance. I Contacted FedLoan and they explained that it had to do with some sort of rebate, and that they would take care of it. Flash forward to  XX/XX/XXXX , and I received another bill from them. This time,  XXXX  of my loans were marked paid in full but the other  XXXX  still had a balance. I once again contacted FedLoan and spoke with someone. This person could n't believe that the problem had n't been taken care of yet and that she would have someone from management call me. I never received a call, and in  XX/XX/XXXX  I received a bill with the same loan balance information as the bill from  XXXX . I called FedLoan once again and was directed to a supervisor. The supervisor told me there was nothing he could do and that it was because of some sort of capitalized interest back in  XXXX . I 'm pretty sure my obligation to FedLoan ended when they sent me a letter saying that my loans were paid in full. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a letter from   XXXX   XXXX   around the end of     XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX   today and they told me to file a complaint with the FTC.

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 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a letter from   XXXX   XXXX   around the end  of 2014 indicat ing I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
<P/>
Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a letter from   XXXX   XXXX   around the end of   XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
<P/>
Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC.

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 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
When it was time to start making payments in my loans salliemai would now accept lower payment amounts. They would constantly call me everyday and I would talk to them till I was blue in the face and explain I could n't send a full payment. Finally I stopped answering and now I 'm with navient. They finally agreed to lower my payments for me but it just sucks that I couldbe been making payments tho whole time if I was n't denied before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I rented a car for a trip back in   XXXX   XXXX   XXXX     from   XXXX   XXXX   XXXX   XXXX  . I had the car for  two weeks. During the duration of having the rental there was a small hail storm. Upon turning in  the rental I was told that the car had hail damage. It did not hail anywhere near where I live which is where the car was located inside of my garage. When we arrived to get the rental what we reserved was n't ready. We waited 45 minutes before we even left in the rental and the car was n't gone over with us to access any damages that could have occurred while the previous renters had it. I have now received  XXXX  collections  XXXX  in the amount of {$1100.00} and  XXXX  in the amount of {$230.00} from  Trans-world Systems INC. Collection ag ency. This is n't accurate this is fraud. I am NOT responsible for the damages to the rental because it did n't happen while it was in my possession. If these collection accounts are n't resolved in a timely manner I am filing a class action law suit against the collection agency as well as   XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I 'm in bankruptcy I pay mortgage company and bankruptcy court the mortgage company lied to the court saying that I was  13 behind in payments I have proof of all my payments and I be letter from them stating that they applied two payments to my account.

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 2017-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Payments come out every Thursday last one was dated   XXXX   XXXX   XXXX     My family is struggling real hard Wife has n't had a job for awhile we have  XXXX  kids and by the time loans come out no money is left for Food after paying bills and according to Depart ment of Children and Fam ilies I make too much for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Starting on XX/XX/XXXX, Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with XXXX and XXXX, but the results came back verified. After talking to Chase twice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all 3 bureaus. Following is the list of inquiries : XX/XX/XXXX CHASE CARD PXXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I am being told after getting to the end of the refinance process I will have to have my divorce decree amended before I can refinance. My divorce decree states I have 24 months to pay my exhusband the half owed equity in the home . Nationstar is telling me I have to pay him through the refinance. This is illegal. Nationstar is demanding I pay out my husband through the refinance although legally I  do not have to . Nationstar requested I take out a higher loan amount and increase in fees in order to complete their fictitious process. It is a way for Nationstar to continue to hinder home owners by making them take on more debt. Stay away from this company! I should h ave listened to the other comments before choosing this company and wasting over a month of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I believe that my mortgage representative,  XXXX   XXXX , loan processor,  XXXX   XXXX , and underwriter misrepresented the guidelines that were required for final approval of my mortgage application and/or denied my application in part because of my  XXXX . After receiving notification that I was approved via Citi 's online application status portal on approximately  XXXX / XXXX / XXXX , I received a phone call from my mortgage representative a few days later claiming that I was denied at on  XXXX / XXXX / XXXX . The reasoning for the denial provided by the mortgage representative was that my income, as reported on my  XXXX  tax return, was insufficient. Despite having records of my income via my  XXXX , tax returns, and pay stubs for several weeks prior, Citi 's team failed to communicate this to me until  XXXX / XXXX / XXXX ,  XXXX  week prior to closing and shortly after I disclosed my  XXXX .     I disclosed my  XXXX  orientation to my loan processor,  XXXX   XXXX .  XXXX   XXXX  learned that I was a  XXXX  male through our conversations about gift funds from my significant other who is male.     As such, I believe that  XXXX  's team is disingenuous at best or bigoted at worst. I am extremely disappointed in the team 's handling of the situation and strongly believe that I was not denied my loan because of insufficient income but instead because I am a  XXXX  man.

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 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called Bank of America regarding a return item fee on my account. I explained that the cutoff on the ATM machines state the business day is over at XXXX XXXX local time and I thought that was across the board but the app has different information and list it as XXXX XXXX ET. I spoke to XXXX # XXXX, a supervisor who basically informed me that is was my error and it was just MY account that was not eligible for courtesy waiver even though my account has never had the issue before. I asked per policy and procedure shouldnt all accounts be treated the same? She said yes per fed regulations they had to but MY account was not getting a courtesy waiver. She basically said depending on the account, Bank of America can or can not make the decision to waive the fee. I have had a similar issue with Bank of America in the past. What criteria do they use to determine when fee waivers occur if the customer is at fault? What makes my call to BOA for courtesy waiver different than another customer who calls in and misses the deposit cutoff time and request a waiver? I would like that information from BOA as well as the {$35.00} fee waived if it can not be provided, because all customers are not being treated equal. What is the basis of the unequal treatment is it gender, race, religion, geographic location? I would understand if there was a policy in place and no one received it, but to just say no when I have never asked or had this issue before is ridiculous without a reasonable explanation when it is something that is offered to some customers. They need to provide data showing the race/gender of customers that are offered fee waivers. Would that data be skewed? Does it favor particular groups?

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 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX /   2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: FL

Complaint narrative:
Loan comes out every Thursday last one came out  XXXX   XXXX  ,2017 havin g trouble being able to pay bills to live and eat as of this week my family and I will be in the hole  XXXX  by the time we pay rent as this loan came out plus we have rent this week and do n't have anyone to help us out make too money according to  XXXX  so I ca n't get help and my wife does n't get paid till another week and she had been out of work. We need help bad and having payday loans makes it worse for us we thought we were helping ourselves which really we are hurting bad we have  XXXX  kids and do n't know what we are going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I received an alert for my  XXXX  credit report on  XXXX / XXXX /   2017  that an account from Erc ( enhanced recovery corporation ) added a colllection account in the amount of  XXXX  dollars to my credit report. This collection account was added on  XXXX / XXXX / 2017 . I was never made aware of this debt and have not received any written documentation concerning this debt or allowing for me to dispute this debt. I have never had a contract or relationship with ERC and believe they used unfair practices in reporting this debt without first providing me written notice allowing me to dispute this said debt. I 'm currently disputing this debt with  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
O n  XX/XX/XXXX  I recei ved a summons for a civil suit from Midland Funding in the amount of {$5700.00}. I dispute the legitimacy of this claim and I feel that I am the victim of retribution, as I just won a case against Midland on   XXXX  . I have been tied up in court proceedings with Midland Credit Management since I received their FIRST letter that i was being sued civilly on   XXXX   XXXX   XXXX   XXXX  . For over 3 months Midland had encroached upon my time, resources and sense of well-being, as well as been harassing me through endless phone calls for someone that is not even me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On XXXX2017 an unnamed person contacted my husband, Aunt and place of my employment claiming to be a Process Server on behalf of Advance America trying to collect on an unpaid debt for the business and that if i did not pay immediately that I would be arrested and sued criminally for my failure to pay. I gave said individual my debit card information fearing for myself, not knowing that it was a scam until after my husband contacted me to tell me he had done a bit of his own investigation and talked to a representative at this site and found that each number used for contact and the website info was all false. I have since contacted my bank and put stops on all of our accounts. Numbers used to contact us : XXXX & XXXX by scam artist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Starting on  XXXX , Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with   XXXX   and  XXXX , but the results came back verified. After talking to  Chase t wice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all  XXXX  bureaus. Following is the list of inquiries :  XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX CHASE CARD    XXXX   XXXX   XXXX   XXXX   , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XXXX   XXXX ,  XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief