vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I paid in full my loan they even sent me a letter in the mail saying congrats you paid your student loan in full.This was in XX/XX/XXXX with the Department of Education /XXXX then all of the sudden I get changed to Navient an account that does not make sense because I had applied for forbearnace and they gave me until XX/XX/XXXX to pay .I did not have a good job back then so I had to ask for something like that.Once I found the job in XX/XX/XXXX I paid it everymonth and I paid it all in full in XX/XX/XXXX they sent me a letter telling me that since I was in good standing that I could use them again.I havent but all of the sudden the last payment that I made XXXX dollars keeps showing up in my credit report I provided each information to each credit agencies but the one that keeps hitting me with the account is XXXX this has made my like impossible and I am in good standing I paid up I even serviced my country through XXXX they gave me a XXXX with a little more than XXXX and I paid with that the amount remaining.I sent that to XXXX because it appears XXXX times stating there was late payments in XXXX different account closed and those are XXXX , XXXX department of education , Navient Department of education.They are the same account only that in XXXX its there in different accounts as closed in XXXX and Navient is not it states that I still owe the XXXX dollars in XX/XX/XXXX note I paid it in full in XX/XX/XXXX.I have all this information I want to file a law suit this has me to not get good jobs having to find work in areas that I should not be because I have an education.I am sick of this ruiing my job opportunities and purchasing a home or buying a car that I so desperately need for my XXXX son.I cant even get a cell phone.This not fair I paid up and I do want to sue this company as I am noticing its just not me not so many people be saying the same lie. By the way the college I went to XXXX XXXX XXXX closed down for fraudulent paractices as well.I sometimes wonder if there is any justice or wether or not their is an honest company left in this world.My husband died he was a veteran and they never gave me that loan as an option for me either started wrong with wrong school ended wrong with wrong Education Loan repayment company that want to stiff people off their hard earned money.I owe nothing stop charging me and get that off my credit please Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I did n't meet the qualifications for help

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 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up in branch for the {$400.00} checking account bonus and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The code was CZPE. 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 2017-02-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
When I filed a dispute for Midland Funding to verify the debt date and amount they are now reporting the wrong balance. Orginally debt was {$1800.00} they now are reporting it as {$30000.00} USD and still are trying to re-age the account date. They have called me several times telling me to be at my house with a picture ID so they can serve documents to me. Both times I told them I would be at home and they never showed up. I need this amount corrected asap as it is adversely affecting my credit or it needs to be deleted. I have disputed it but, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK
State: MO

Complaint narrative:
I want midland to provide pay history, settlement statement truth in lending disclosure, title policy and appraisal

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
My student loans were in an IBR program. I was not given the date when I would need to resubmit an application for the IBR program. I also did not receive any communication that a payment was due until my loans were close to defaulting. When i finally got approved for a new IBR program, i started getting emails about past due status and informing me tgat i could reply to tge email for a forbearance after i had already been approved for an IBR. I also got a letter in the mail for the first time stating that i was about to default on my loans. XXXX was also after i had just been approved for the IBR program. This resulted in receiving more than XXXX late payments on my credit report which I recently checked about two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent in  2 no torized certified mail and still have been ignored the following information is incorrect and I did not authorize these inquiries or account (  1  )   XXXX   XXXX    XXXX  (  2  )   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX  ( 3 )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  4  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( 5  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  6 )   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: WV

Complaint narrative:
I am on a Pay As You Earn repayment plan for my Direct Unsubsidized Stafford Loans and Direct Student Plus loans. My servicer is Fedloan Servicing ; I work for the United States Department of the the Treasury and am participating in the Public Service Loan Forgiveness program. I believe my monthly payment has been calculated based on my gross income, rather than my Adjusted Gross Income, as it should. FedLoan Servicing has been unresponsive, and I am unsure where to turn. 

I finished XXXX XXXX in XXXX XXXX with approximately {$60000.00} in federal student loans ( Direct Unsubsidized Stafford Loans and Direct Student Plus ). I immediately began working for the XXXX, and entered repayment in XXXX XXXX, following the grace period post-graduation. I asked to be placed on the plan with the lowest monthly payment, so as to maximize Public Service Loan Forgiveness ( PSLF ). Of course, I can provide more specific details, as well as the exact documentation provided to the servicer. 

I did receive a raise in XXXX XXXX, and this past XXXX ( XXXX ), my monthly payment was set to a higher amount, as I expected. However, this time around, I took a closer look at the amount specified and believed it to be too high, even accounting for the higher income level. I emailed FedLoan Servicing on XXXX/XXXX/XXXX ( I have an auto-confirmation email to document this ), and never received a response. In turn, I called and spoke with a representative Friday XXXX/XXXX/XXXX. When I explained the situation, the representative verbally confirmed the " discrepancy '' in the payment amount calculation, and notified me that I would receive a follow up in 7-10 days following a review. The representative 's name was XXXX, and her Employee ID # is XXXX. 10 days have passed, and I have not received a response. Please also consider that i originally contacted them on XXXX/XXXX/XXXX. 

Specifically, I do believe that my payment amount has been incorrect since I entered repayment ( XXXX ), and I have been required to pay more than is required under the program. I wonder if this is something you can assist with / review, and could advise me as to what my rights and options are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.

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 2017-01-02 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: FL

Complaint narrative:
DirectExpress gave SSI funds to a car rental company ( XXXX ) vs having the funds available for use, living expenses. I did not have knowledge of any dispute or outstanding debt I supposedly had with any merchant. The first cpl times I called in I was told XXXX had a dispute with me. None of it made sense to me. I had leased a car for 3 days in XXXX, but now they are keeping my SSI monies in the negative initially For - {$3900.00} and keeping my checks to pay off this negative amount. Which would be another 6 months of me negative XXXX balance. Due to their mishandling of my Monies -i am now homeless and suffered a XXXX. I am more then slipping thru the cracks, I have slipped - I 'm all the way down. I need someone to advocate for the funds that I 'm legally entitled to as well as the fact that my benefits are federally protected. Ever since I 've contacted them on XX/XX/2016 they have played games with me. The first dispute they never sent me any information on. They always pretended they were going to send me the dispute packet until their 45 days of investigation had ended, then I received a denial letter. So I wrote a complaint to the Treasury dept. The next thing I know I get a phone call from a man named XXXX at the email address : XXXX. He 's lead me to believe he was acting on my behalf, opening another dispute and asking to jump thru another hoop. I 'm writing to ur agency to ask that u would on my behalf give them a swift kick in the but. XXXX has done the same thing, left me hanging onto hope that this matter would be remediated and he was working on my behalf wherein he 's done the same protocol. Having me hang on and be hopeful and then close and dismiss my dispute. He knowhat SSI funds are federally protected and that I 'm doing every imaginable thing to survive this major set back. XXXX and DirectExpress know they could come at my Dispute from a number of directions yet they choose not to. I was so happy to find ur organization, and some of the cases uve worn in the courts. If any agency could be helpful to my situation. And the sooner the better. Allow me to thank u now for any all work u do on my behalf. Sincerely, XXXX pH : XXXX DirectExpress Tracking ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
Again I do not have {$100000.00}. It sure looks like they are looking to forclose to. Now because this has dragged out so long and banks have all but distroyed my credit no other bank will touch me. My next plan is to sue all these banks and see how that comes out. This has been a nightmare for about 3 years, needless to say what it has done to both our health not knowing if we will have a home in the morning. I need some help please!!!! Four banks with the same results where is all the help all these politicians talk about. My name is XXXX, Conn. XXXX, XXXX It may be a nightmare reading this but living it was worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Deposited a check from XXXX XXXX on XXXX at XXXX in the amount over {$2500.00} to my Wells Fargo I used the ATM to make the deposit since the bank line was long and I 've been told I get quicker access to funds. 
The receipt advised funds would be available XXXX. 
The funds show posted to my account but the amount is not available as of today at XXXX. 
I talked to a claims adjuster for XXXX, who said the funds cleared his bank XXXX. 
Wells Fargo is saying they got a code from the FED that an item was returned earlier by Progressives bank and accordingly they have an extended hold on my funds that expires XXXX. I have spoken with Wells Fargo twice at their XXXX number and was told 1st that the funds were not available til XXXX. on the 2nd call I was told the funds were not available unitl XXXX and the expiration on the hold was XXXX. I spoke with a supervisor who said nothing could be done. Attached is a copy of the receipt from Wells Fargo when I made the deposit. I 'm stuck between XXXX who says the funds have cleared and Wells Fargo who seems to be holding the funds for no reason related to me, under the guise of " Protecting me from a fraudulent check ''. 
Please advise.

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 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In 2013 I received a XXXX and asked for a forbearance while on XXXX. I was never told that my interest could be held from a accruing while recovering for 4 months this made my loan increase by {$50.00} only to find out that interest should not have been charged while I was on forbearance for my subsidized student loan. Navient is my loan servicer. I 've also recently called to lower payments ( down to minimum payments ) and the servicer said that this was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On  XXXX   XXXX ,  2017  - I tried to open the  Citi ch ecking account with a promotion offer. Completed everything and account was opened. I provided my  XXXX  bank credentials also to deposit $  XXXX  but it did n't worked. Then i provided  XXXX  routing # and account # of my   XXXX   bank account. I was told that w ithin 2-3  business days trial debit/credit will happen. It never happened. Later I go t one e mail to send the signature card. I tried sending it by fax - fax failed on both the fax numbers.

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 2017-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: KEYCORP
State: PA

Complaint narrative:
I have received various requests for re-payment on a identified loan wit h Keybank National Association. Unfortunately, the primary borrower h as not been responsive to neither   XXXX   XXXX   recovery program,  Keybank  's collection efforts nor my communications to assume full responsibility in satisfying the loan obligation.   As the cosigner of this loan, I 've been left with little to no recourse in trying to remedy the situation with all parties involved. There were past attempts to try and see if, as a cosigner, I could completely shift the responsibility to the primary borrower. However, I was informed that the loan documents did not have the necessary loan provisions in order to transfer or allow for a cosigner forgiveness.   The situation at hand was originated out of a goodwill to provide hope so that a disadvantaged youth could benefit from the opportunity of going to college, receive an education and ultimately better themselves. As I experience the unfavorable results, I do n't take back my act of kindness, but wish I was in better circumstances to make good on the obligation, regardless of the youth 's success.   Today, the fact of the matter is that I now too find myself in an economic hardship. As a result of unemployment and new initiatives for self-employment, I can not continue to make good on the aforementioned loan. I have inquired into the possibility of some alternative programs for deferment and/or forbearance. After much effort, I have gained little ground in reaching a solution that is fair. It seems that the primary borrow continue to have all the rights to negotiate and do what they see is convenient for them, while I 'm stuck with the obligation of payment with no recourse. In hindsight the loan product seems predatory in design. I have humbly asked if not complete forgiveness, then the possibility of a 50 % settlement on the outstanding balance of the loan, which was denied.   After this ongoing scenario, my credit severely affected by it and it creating a hardship, while I 'm obligated to make monthly payments for the past year, I have been notified by the Loan Administrator -  XXXX , that a  XXXX  interest tax form can not be released to be because of IRS Legal rules. In short, I 'm responsible for paying, but ca n't claim interested on my taxes.   I 've have never felt so vulnerable, hopeless and a victim of predatory lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an Adverse Action from Chase bank regarding a HELOC I was looking into. I believe they are mistaken since they had no action to take - I denied their loan because the terms were not competative and the individual who was taking my application kept trying to get me to put more of my credit card debt and an auto loan on to the HELOC to get " more ''. Of course I was looking for liquid cash, not debt consolidation to a higher rate product so I refused their loan. The net on his pitch was that if I transfered every debt I have other than my first mortgage I could get a net of about {$6500.00} more on my HELOC - and as a result end up with very little liquid cash. Their matrix appears to be a bit stupid - either because of CFPB rule making or their own short sightedness. 
I am currently paying down my debts at more than {$3000.00} a month and have excellent credit ( XXXX - lowered because I put my card debt all on XXXX card ) and more than $ XXXX equity in my primary residence - I chose to discontinue the process when it became clear that the primary goal was to coral my debt service - not to extend me money in hand. 

Before the " debt crisis '' I was able to get a HELOC of {$140000.00} with lower income and higher debt - I have never missed a payment and understand credit. 

It is a difficult situation to have to spend a half hour telling someone about your life story at work - because they have short hours - so they can make a deterniation as to how much they are willing to lend. I am sure part of this is to make sure I have " skin in the game '' and wo n't walk from their loan. They should have a loan calculator online so I could see how bad their offers are without dealing with a person who is afraid to make a misrepresention. 

I would like an address where I can send them an Adverse Action explaining why I walked away from their useless loan product. On the bright side - if I do not get a loan from my insurace company - who is still working on the Dood-Frank changes to their contract - I will pay off all of my debt including my house within five years and can remodel my kitchen without XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have contacted Experian twice since XX/XX/XXXX to remove inquiries from my report because they do not meet the FCRA requirements which that they are only permissible purpose for pulling someone 's credit port is a ) firm offer or credit b ) insurance c ) employment or d ) court order the following credit inquiries are related to non of the aforementioned permissible purpose nor did I authorize these companies to pull my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items should be removed from my credit report immediately

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