vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I had XXXX XXXX at XXXX in 2017. Since then, my wife and I have had a loss of income because of time missed from work and medical expenses. In addition, my medical premium went from {$150.00} to {$600.00} per month. I am currently on my 6th month of XXXX and I have 6 more months to go. 

I have struggled off and on to keep current with this mortgage, due to my XXXX XXXX, and I have always managed to keep it. However, after this unexpected XXXX and treatment I need help with the 2 payments that are past due. In the beginning of the workout I was given a 12 month repayment plan and I was able to pay back 6 months of it. But it was becoming to difficult to maintain the higher payment. I was working with XXXX XXXX during this process. But in the middle of my repayment plan they cancelled me due to non-payment, which was their mistake. They had 2 different escrow increases for my payment that I was not aware of. So I shorted one of my payments {$100.00} without knowing. They kept sending me letters as if I was the one who messed it up. I did not. I did not default on my repayment plan, they made a mistake. But then I told them that it was not affordable any longer and that I needed some assistance that was closer to my regular payment. I requested medical assistance, and can you believe it? No help for XXXX patients, none. So sad. 

I begged and pleaded with them that I can only afford my regular payment and that I would like the 2 past due payments placed in a medical forbearance or deferment. They said they do not offer these. Again, I am on XXXX and all I am asking for is that those 2 payments be paid back over 2 years. Or until I am healthy enough after XX/XX/XXXX to move or sell my property. They have not offered me anything I can do while I am on XXXX. They also switched my point of contact to XXXX XXXX, without notifying me. I left him a message yesterday and I no one is helping me. 

I will file chapter XXXX bankruptcy if I have to, to save this property, I will. But I think it would be easier for everyone if we came up with a reasonable solution that is not so health invasive for me. As I am already overwhelmed and tired from treatment. 

I am asking for the past payments to be spread our over 2 years. Thanks for your 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 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
On XXXX XXXX and XXXX XXXX, XXXX I sent Franklin Collection Service a request for validation of an account they say I owe from XXXX XXXX XXXX. Franklin Collection Service has not respond to both request for validation. Franklin Collection Service placed this collection on my XXXX, XXXX, & XXXX files in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This regards our Chase Freedom Visa credit card # XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX use this card. Expiration was XX/XX/XXXX. ( Do n't worry, we have since gotten a NEW C.C. because of this fraud. ) ( Another Chase Freedom Visa C.C. ) No one asked for NOR ordered ANY of these items! The ( 4 ) fraudulent, XX/XX/XXXX charges just appeared on our statement! Here are Dates of Transaction, Merchant, & Amount : 1 ) XX/XX/XXXX XXXX XXXX XXXX for {$92.00} ( Visa says XXXX? ) 2 ) XX/XX/XXXX " " {$5.00} ( Visa says XXXX XXXX XXXX? ) 3 ) XX/XX/XXXX XXXX XXXX XXXX CA for {$92.00} (? ) 4 ) XX/XX/XXXX " " {$5.00} (? ) We spoke with " XXXX '' at Chase Visa : XXXX ( ext. XXXX XXXX XXXX ) ( M-F XXXX XXXX - XXXX XXXX CST ) Nice gal, but she needs CFPB Help! Please HELP us remove these bogus charges! CFPB : You are a strong right hand of hard-working Americans. May XXXX Bless You! With love! XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax, as the victim of a XXXX 2017 cyber attack, lost roughly 143 million customers data to hackers. Names, birth days, address, ssns, and driver 's license numbers were access. Credit card numbers as well. Reports indicate that Equifax took over a month to respond to consumers, may stand to profit from the event by rollovers from free credit monitoring services, and user 's must forego their right to participate in a class action lawsuit to get said services. In response, I am filing this complaint and putting a fraud alert on my accounts with the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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:
I have been making on time payments on my student loans for well over twenty years. Within the last two years I began making inquiries regarding student loan forgiveness for public servants and teachers ( PSLF program ) as I anticipate retirement. I made inquiries with the DOE through my congressman ( XXXX XXXX ).  I learned that my loans were " too old '' and under the wrong umbrella because they were taken out as XXXX XXXX loans ( which are also federally funded loans ). Discouraged at this, I began to ask myself questions that perhaps I should have been asking a very long time ago ... that being : Why is my account balance still so high? Why does the principal seem to stay so high? I 've been paying on time for so long, why do I still have ten more years of payments to make? 
Here is where my problem begins with my loan servicer, Navient. In XX/XX/XXXX I requested copies of the documents that were signed when I consolodated four student loans ( XXXX subsidized and unsubsidized as well as {$14000.00} dating back to 'XX/XX/XXXX-'XX/XX/XXXX ). I received the requested documents on XX/XX/XXXX. As I began to look over the numbers I felt certain things did n't add up. The signed Federal Consolidation Application and Proissory Note reflected a total consolidated amount of {$31000.00} on a form signed by me on XX/XX/XXXX. As I began to consider how long I 've been paying on my loan ( over 20 years ) I began to take a closer look at my account as it stands at this time and what my payment history has been over the years. Therefore, I called Navient and made several inquiries. One of which was an explanation as to how my loan balance could remain so high after so many years of on time payments? I was told in a phone conversation by the Navient representative that I was making " interest only '' payments for a period of six years and my principal was not payed down during that time. I asked the rep to send me a copy of the document indicating " interest only '' payments with my authorizing signature. On XX/XX/XXXX I received a document showing I selected the " Grad Choice ( SM ) Account '' and checked the box indicating " Two years of reduced payments '' and makes no mention of " Interest Only ''. This document was signed by me XX/XX/XXXX. So at a minimum, by XX/XX/XXXX my loan payments would have reverted back to a normal payment schedule. I feel this was a major mishandleing of my account by Navient that has cost me a lot of money. 
As of XX/XX/XXXX my account with Navient is as follows : Balance remaining : {$27000.00} Total principal payed : {$9700.00} Total interest payed : {$21000.00} I believe I have payed beyond what is reasonable in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Following the Equifax breach, I have been attempting to freeze my credit with all three major agencies. However, Equifax will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX/XXXXBankXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX Credit Cards/AirlinesXX/XX/XXXXXXXX XXXXHome FurnishingsXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX/XXXXFinanceXX/XX/XXXX XXXXCredit UnionXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXX Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX I have scheduled ACH from my Checking account at NAVY FEDERAL CREDIT UNION to pay my XXXX XXXX Credit Card in the amount of {$400.00} using Navy Federal online bill pay center. 
I have left only {$200.00} in my account DELIBERATELY to see what will happen with this transaction while there are insufficient funds in the account. I did that as a test before I switch everything ( checking and automatic bill payments ) from XXXX XXXX XXXX to Navy Federal. 

Navy processed the transaction on XX/XX/XXXX and on their bill pay online system it was showing delivered and there was a confirmation number. Day later I found out that it was not processed and I was charged with insufficient funds fee, {$29.00}. It was still showing delivered with confirmation number. 

Nothing in their online system indicated that this transaction did not process or that it was rescheduled. 

On XX/XX/XXXX ( week later ) I found out that it was processed AGAIN WITHOUT MY KNOWLEDGE OR CONSENT! This time there was more than sufficient money in the account. 

This is where things escalated : While speaking to Navy Federal Credit Union customer service representative, after insisting to know why the transaction rescheduled and processed without ANY INDICATION THAT IT WILL, representative informed me that they have a THIRD PARTY COMPANY THAT DOES THEIR ONLINE BILL PAY SYSTEM FOR THEM and Navy Federal has nothing to do with online bill pay system. 

Nothing on the online system shows, warns or indicates that I was leaving Navy Federal website and that I was redirected to third party site. It is all still ( at least it appears ) on Navy Federal official online banking website. Please refer to attached screenshots. 

What is the name of that bill pay processing company? 
What is their address? Website? 
Should I be warned that some other company other than Navy Federal is processing the payments I make trough Navy Federal portal? 
Should I not get " you are being redirected to another site '' warning? 

I believe Navy Federal online bill pay system is misleading and I have chosen to trust THEM with my finances, NOT some third party company. 

Please investigate, Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cell : 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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Through Equifax 's negligence, I have reason to believe credit report data on myself was obtained by unauthorized entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/XXXX I wrote a check for {$160.00} to the XXXX XXXX ( Independent Agent for XXXX XXXX XXXX ) for a New Auto Insurance Policy. The Agent XXXX XXXX cashed this check but pocketed the cash and Did Not send Any money to XXXX XXXX XXXX On Wed.  XX/XX/XXXX I left a message on my banker 's phone ( after hours ) about this Fraudulent activity. The next day ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX, Ga. ( Synovus ) ) called me. He had Researched this Situation and Informed me That XXXX XXXX had been arrested on multiple Fraud charges like mine. XXXX and the Bank had Proof Positive that I had Indeed been Defrauded and normally the Bank would Credit My Account for the {$160.00}. BUT ... since this is Now a Criminal Case the bank is NOT going to credit my account for Any money. They suggest that I go to the XXXX, Ga. Police Dept and register a Complaint if I want My {$160.00} Back. I Do n't Understand Why the Bank does n't give me MY Money back and go after the Criminal to get Their Money back???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC is continually placing a collection, as well as a closed account listing on all of my credit reports for the amount of {$480.00}. I do not know who or what this company is. I have tried contacting them multiple times requesting a full validation of debt and nothing has been done nor have I received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, XXXX Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

XXXX as a company should not be allowed to exist. It should not be allow to simply change its name. XXXX board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, XXXX XXXX Experian and similar companies must have comprehensive review and oversight.

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 2017-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.

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