vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
BARCLAY BANK WAS SUPPOSED BY CLOSED AS OF XXXX/XXXX XXXX/XXXX WAS SUPPOSED TO BE CLOSED AS OF XXXX/XXXX ALSO 4 OUT OF 7 ASSOCIATED ADDRESS ARE NOT CORRECT

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 2017-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I enrolled in automatic payments for my student loans with Navient a year ago. 
Navient advertised 1 % interest rate reduction for enrolling. 
There was no disclaimer ( unless it was buried in fine print ) indicating that the loan source, or type, or the loan guarantor determined eligibility for the interest rate reduction. 
I spoke with someone at Navient today, and they told me that I did not receive the interest rate reduction during the period my loan was on automatic payment because the guarantor was ineligible. 
I have been unable to receive adequate assistance from Navient in this matter and with the servicing of my loans since they began repayment. 
I had assistance from U.S. Department of Education Ombudsman group in getting this set up about a year ago, and felt comfortable with my arrangement. 
I have received paperwork from Navient that requires me to complete annual re certification of my income driven repayment plan. They acknowledge the paperwork received XX/XX/XXXX, and told me it will take them until XXXX/XXXX to process the application. I should not have to go through this annual stress fest. I need reasonable repayment terms, and Navient needs to correct their errors, and their processes to prevent this consumer stressing, time-consuming bottleneck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XXXX XXXX, XXXX a check in the amount of XXXX was mailed to Home Depot. However, I continued to get phone calls regarding non-payment on the account. I explained on multiple occasions that I had mailed a check on XXXX XXXX. After continued calls, I faxed a copy of the check to Home Depot offices. On this copy, I stated all pertinent information such as date mailed and account number, my name, address, and phone number. The calls continued! On XXXX XXXX or XXXX, I called and asked to speak to a supervisor to try to explain the situation ( check sent but not posted or cashed ). The supervisor said he could stop the ( harassing ) phone calls for 4 days. On Saturday, XXXX XXXX, I began to receive phone calls again regarding this account. At this time, I decided ( it was also recommended by the Home Depot representative ) it would be best to put a stop payment on the check and have a new one issued. On Monday, XXXX XXXX, I did have a stop payment issued in order to send a new check in the event that the first really was lost. Upon calling to get an accurate mailing address, I am advised by the robot that I have a balance of {$0.00}. Again, I ask to speak to a supervisor and I was informed that the check was posted to my account on the XXXX of XXXX. Why was I receiving calls as late as the XXXX? Although the check was posted, it had not been deposited. Upon deposit the check could no longer be honored as stop payment had been requested. A new check was sent immediately. As a consequence, Home Depot has reported me as being over 30 days late in payment. All attempts to rectify this with Home Depot and correct the credit report has been in vain. Furthermore, My account balance is now XXXX dollars and change with no further charges having been made.

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 2017-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
chase let someone use my card still refuse to return my money after many attempts they have violated my consumer rights and i want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I keep losing all the information I put down so this is just me saying what happened. As of XXXX XXXX, XXXX on them before date of XXXX XXXX, XXXX I was placed in a mental health facility. The direction of the length of time being spent was n't given to me by overall stay there over three weeks and a half. During the time of my stay my personal checking and personal savings was liquidated far before I got out my credit cards are maxed and basically accounts were closed before I even got out. With that being said I got out of the facility and during the day and there was never informed that and then Vic should notice was placed on my door with notice to leave. With me being in the facility all my personal items were thrown away from my house or apartment XXXX XXXX Virginia XXXX, XXXX, CA XXXX. With all my valuables been thrown away materialistic items gone. There is also three of my vehicles that basically could n't be moved. They got labeled as a banded waist and put out have a XXXX for an impound. Now When leaving the facility in receiving this information that everything of mine was thrown away and cars and pounded basically I walked from my house to my personal bank Bank of America off of XXXX XXXX Less than a mile away not having any form of ID so security social card or birth certificate as well as EIN XXXX the personal banker that I had actually open my accounts up with that help me out to try to figure the situation he then presented to me that both of my accounts were liquidated around 9100 and  something dollars and then my credit was maxed out the total of 2700 and something I really do n't know what to say more I 've tried and continue to do so but the definition of insanity been to repeat the same process and expect a different outcome is starting to dwell on my shoulders thinking I might be insane.

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 monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Credit & Collection, Inc.
State: IN

Complaint narrative:
COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS AND KEPT CALLING MY HUSBANK CELL PHONES 66 TIMES AND MINE XXXX TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
To whom it may concern : I have spoken with this company, Navient, and explained to them that this is a fraudulent account and that I have never opened or applied for a private student loan. I have requested documentation to support their claim and was denied that information. They are reporting on my credit report and refuse to do whats right and remove this fraudulent account. This has caused me an immense amount of stress and has prevented me from being able to make any major purchases. Please remove this fraudulent account immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery reports an open account with a XXXX balance on all three credit agencies. under me being joint borrower, I never joint borrowed with my ex spouse nor do I know what this debt is. 

They report it twice leaving off digits of the account # 's but yet both trade lines end in the same account number example one trade line says XXXX the other tradeline says XXXX both showing different start dates yet shows original amount owed as the same I have disputed this thrue other means and directly with them but they refuse to remove this as it is not mine nor report it as closed since the balance now says XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: Screening Reports Inc.
State: MI

Complaint narrative:
Unauthorized Credit Inquiry : XX/XX/XXXX : XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-09-28 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: NY

Complaint narrative:
On XXXX XXXX my wallet was lost/stolen while in XXXX ( I live in XXXX ). My credit and debit cards were fraudulently used in XXXX XXXX and XXXX. I asked my banks, Chase and XXXX XXXX XXXX, to make ALL my credit and debit card purchases require a PIN. They said they do chip and signature only. Cashiers do n't ever look at the signatures. At XXXX though thieves could n't use my XXXX because it requires a PIN for all transactions. But, then they used a different Visa card and got away with the purchase. 
If a PIN was required, no purchases in a store could have been made and any purchases online could have been stopped before shipping. 
I do n't understand why this is n't standard. I know I 'm not 'officially ' out any money but the banks and the merchants are and those costs are passed on to the consumer. 
I want to be protected against fraud and have no means to protect myself because the banks wo n't honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: FL

Complaint narrative:
UN-AUTHORIZED MONTHLY DEBITS BY XXXX XXXX/MERCH FEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) AKA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CHARITABLE ORGANIZATION, STARTING XX/XX/XXXX THRU XX/XX/XXXX. XX/XX/XXXX{$64.00}, XX/XX/XXXX {$64.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00} TOTAL {$780.00}. XXXX XXXX XXXX, WENT TO REPUBLIC BANK - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. , XXXX XXXX, FL XXXX & SPOKE WITH XXXX XXXX, SALES & SERVICE REP AND FILED A STOP PAYMENT ON XX/XX/XXXX COST {$30.00}. REQUESTED INFORMATION RE : FRAUD REPORT, APROXIMATELY XX/XX/XXXX MET WITH XXXX XXXX, CUSTOMER SERVICE MANAGER TO FILE A FRAUD REPORT. ON XX/XX/XXXX RECEIVED MESSAGE FROM THE ABOVE PERSON INDICATION THAT WE HAD FILED TO LATE. BANK POLICY WAS THAT A REPORT NEED TO BE FILED WITHIN 24 HOURS OF THE EVENT. THE BANK REMAINED UN CO-OPERATIVE. ON TUESDAY XX/XX/XXXX FILED A FRAUD REPORT WITH THE CITY OF XXXX XXXX POLICE DEPARTMENT. POLICE DEPARTMENT TOOK ALL INFORMATION AND REQUESTED THE NAMES OF THE UN IDENTIFIED UNAUTHORIZED USERM, AS A LAST RESORT THE XXXX XXXX XXXX VISITED THE XXXX  XXXX REGIONAL SALES DIRECTOR XXXX XXXX AT XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX ON XX/XX/XXXX. XXXX XXXX TOOK ALL INFORMATION AND SAID THAT HE WOULD LOOK INTO IT. AS OF THIS DATE ( XX/XX/XXXX ) WE HAVE NOT RECEIVED ANY CORRESPONDENCE FROM ANY OF THE ABOVE INDIVIDUALS

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 monetary relief
Consumer complaint received 2017-09-28 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called one main, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
My Mortgage was sold twice in 1 month. It was first sold to RoundPoint acct. # XXXX and secondly to XXXX XXXX acct. # XXXX. Both expected payment on XX/XX/XXXX. 

Payment was mailed on XX/XX/XXXX for due date XX/XX/XXXX to Roundpoint as required and in compliance with my resposnibilities as a mortgagee. This check was cashed. 

XXXX began collection efforts on XX/XX/XXXX, see Consumer Financial Protection Bureau complaint # XXXX. 

RoundPoint has yet to forward the XX/XX/XXXX payment to XXXX. This is over 30 days. 

I am asking for confirmation that RoundPoint has made payment as required for the XX/XX/XXXX mortgage payment. Both companies are not entitled to the same payment. This is a problem between the two companies and not the consumer.

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 2017-09-28 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: VA

Complaint narrative:
Experian has, for many years, misreported my credit to status to lenders. Either old or resolved debt still shows on my credit report. Just recently now, on XXXX/XXXX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX to assist my son in purchasing his first vehicle. My name is XXXX XXXX XXXX and my son is XXXX XXXX XXXX. After he ( XXXX XXXX ) submitted his information to have his credit ran, all information regarding my own credit was listed under his name. To add insult to injury, I tried to co-sign for him and my credit score came back as his credit score! The car dealer said there was no mistake in the social security numbers we provided them and that Experian has our names/accounts listed with the same information. I have documentation to support this. 

Out of all 3 major credit bureaus, I have only had issues with Experian and their reporting tactics. It is extremely unfortunate for me as I live on the east coast and almost all lenders/credit cards rely on Experian. This has been happening for years to me and I have tried to resolve this unsuccessfully through law firms and Experian as well. XXXX/XXXX all have my credit in the XXXX range but I have been turned down credit so many times because of Experian 's false reporting. It is unfair that they do this to so many others. Please help them report my credit correctly!

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 2017-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
We did get SOME assistance back in XXXX as Navient took the payments that they posted incorrectly and redistributed them so that it showed our accounts up to date. They also retracted their submission to the collection agencies for both me and my son so our credit scores were returned to where they should be. 
However, my son should have graduated with XXXX XXXX in XXXX XXXX. Because I am/always was single mom, dad nowhere in sight, I was laid off from middle management and could n't find other work and other problems ( the list goes on ), we have not been able to get more loans and he is STILL in school full-time. But Navient wants $ XXXX per month still and now 2 XXXX XXXX XXXX have kicked in wanting payment. 
I believe I got " loan forgiveness '' for past federal loans but now he has more federal loans as he still files his FAFSA each year. We do not have the money to pay all of this back right now - but do n't want these loans to grow. For instance, he has one XXXX XXXX loan that was for {$9500.00} that is NOT asking for payments yet, but the balance of the loan is over {$11000.00} due to the interest accruing. And we ca n't do anything about it because we do n't have the money. 
This student has worked full-time practically since he was XXXX. He still works the same job, now very full-time. But we both have typical monthly bills to pay. As I was laid off right after he started college and have been unable to recover financially, unable to find a good job over the years from XXXX to XXXX, and then started to have medical issues XXXX after another. I 've been hospitalized 4 times over the past year having NO HEALTH COVERAGE, was turned down for XXXX 3 times until just recently. Of course, I can not find doctors who actually take XXXX insurances so I have to rely on clinics with waitiing times of 3-4 months when making appointments. I had used ALL of my XXXX monies between mortgage and his college and have sold my car and now my home. Just yesterday it cost me over {$50.00} in cab fare to get to/from a medical appointment. 
MY QUESTION IS - IS THERE ANY ASSISTANCE OR GUIDANCE YOU CAN OFFER REGARDING THESE STUDENT LOANS? Either to defer without additional costs or consolidation. I went through pages and pages on XXXX website to consolidate the XXXX loans there and was told that the consolidation was approved. Yet they continue to send XXXX separate bills with XXXX different interest rates of XXXX, XXXX, XXXX and 9.25 %. So after I jumped through all their hoops - they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: BB&T CORPORATION
State: FL

Complaint narrative:
Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.

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 2017-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called XXXX XXXX, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.

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 2017-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
We successfully applied for a mortgage modification in XX/XX/XXXX with XXXX on our MoneySource loan. We paid all three trial period payments and were granted modification. I was subsequently laid off from my job in finance during economic downturn. We were unable to pay mortgage thereafter. I regained employment in XX/XX/XXXX and reapplied for the mortgage modification with MoneySource and we were accepted into the modification trial period in XX/XX/XXXX to begin in XX/XX/XXXX at {$2400.00} per month through XX/XX/XXXX. We made the XX/XX/XXXX and XX/XX/XXXX payments in a timely fashion and then we were told that they would not accept our third payment in the month of XX/XX/XXXX because they had made a mistake in granting us the modification trial period due to the fact that FHA guidelines require a 24 month period between loan modifications and in our case there had only been a 12 month period since our prior modification. Presumably the mortgage company should have been fully aware of this FHA policy prior to granting us the new modification trial period. As a result, we had no choice but to wait an additional 12 months until the 24 month period had lapsed and save mortgage payments to the best of our abilities. 
We applied again in XX/XX/XXXX and were accepted on XX/XX/XXXX to a new modification with three months of trial payments to begin in XX/XX/XXXX at $ XXXX/mnth. We paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage trial period payments in a timely fashion, however, after making the final payment in our trial period, we were told that due to the recalculation of escrow amounts after the end of the trial period in XX/XX/XXXX, an increase in escrow had made it such that our mortgage payment levels to be paid on a monthly basis were no longer at an acceptable dollar amount and that we must apply for a new modification trial period again from scratch. It turns out that due to the Money Sources incorrect escrow calculations, we had been set up to fail in the trial period even though we met the guidelines that had been set forth for us. Several requests to receive a response in writing outlining the specific reasons for the denial after we had successfully complied with the trial period went unanswered. 
Also, in parallel to the mortgage company seeking a new borrower response package from us ( including paystubs, forms, etc. ) to qualify for a new trial period beyond the 3 month trial period we had just successfully finished in XX/XX/XXXX, we received a letter in XX/XX/XXXX announcing the mortgage companys intent to accelerate and foreclose. Clearly, if we were being asked to apply for a new modification trial period, the mortgage company should not be also pursuing foreclosure at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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