vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
For years I have not been able to make enough money to live and pay on my loans. I graduated with approximately $ XXXX debt. Over the years what started with an occasional re-deferment went from once per year to 6 months and then to every 3 mo. 's. The charges have accumulated with the debt to over $ XXXX total now. 

There is no program to help get rid of all the charges that Navient and XXXX before gave me. Numerous times through the years I would ask about consolidation of the several loans and was ignored when I asked them to send a paper consolidation application. 

This debt is not the debt that I when to school with. What can be done about this additional amount now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinberg Mediation Group LLC
State: FL

Complaint narrative:
A received a threatening " robocall '' today at XXXX from XXXX XXXX XXXX XXXX. Here is what the robocall said ( paraphrasing ) : This is a final courtesy call from the Weinberg mediation group. Before reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. 

The problem is, i do not owe anyone for past debts or any unpaid debt other than what is on my credit report that i pay timely. 

I googled this number and several complaints have been noted from calls all over the US asking you to call another number. This is a SCAM.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX agreed to remove late payments that were reported in error from XXXX of XXXX - XXXX of XXXX. However, they reported us late in XXXX also. I made a payment to XXXX XXXX XXXX on XX/XX/2018. According to a letter I received from to XXXX XXXX on XX/XX/2018, XXXX XXXX XXXX sold the loan to them on XX/XX/2018. For some reason XXXX XXXX XXXX reported us late only to Equifax in XXXX. Now, Equifax is refusing to remove the late because they say they need a letter from XXXX XXXX XXXX even though we sent the the letter from XXXX stating the loan was sold on XX/XX/2018 and the letter from XXXX XXXX XXXX stating the lates were reported in error. The two letters were uploaded to them, Equifax, and they are saying it is " A '' letter from both companies and they can not accept it. Please see attached documentation. I hope this does not delay the " investigation '' that is going on between Equifax and XXXX XXXX XXXX  as we are trying to get this resolved and close on a new house by XX/XX/XXXX. I have combined it into one file and also individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Campus Student Funding, LLC
State: IL

Complaint narrative:
My loan is through XXXX XXXX XXXX however in order to make payments you pay to XXXX XXXXXXXX XXXX. I am having trouble afford the minimum payments and the company will not lower payments, set up a better payment plan, nor change the due date. I contacted XXXX XXXX XXXX since they are the loan servicer, however you must leave a voicemail. For several weeks I have been contacting the company to see if they will extend my forbirence however I never receive a call back. I also emailed the XXXX XXXX XXXX however they have yet to contact me. My payment is due on the XXXX and Ive been trying to find a solution for my payment issue for weeks now without any help. XXXX XXXX XXXX says they can not help me at all and that if payment is late I will receive late fees, which Im trying to avoid. I have never missed one payment to this company so I dont have a deliquient account. If you can help me please contact me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a Checkings account with Chase bank. Recently, I made a payment using my debit card at a credit union ( to pay off my car loan ). The total payment was {$5300.00} and since my debit card limit for a day is only {$3000.00}, I paid it in two payments. {$2700.00} on XX/XX/XXXX and the remaining {$2600.00} on XX/XX/XXXX. I just found out that I was charged a total of " Non-ATM cash fee '' of {$160.00}. {$81.00} for the {$2700.00} transaction and the remaining {$79.00} for the {$2600.00} transaction. 

This {$160.00} fee for just using my debit card ( not even a credit ) to make a payment is very high. When I called the chase bank customer service, they were not able to explain clearly why I was charged this 3 % fee. The representative and her supervisor that I spoke with both said this is a " cash advance fee '' that I was charged for doing a transaction with a teller at a Non-Chase bank and told me to refer to my accounts fees, rules and regulation. Mentioning it is my duty to find out why I was charged and not theirs to explain. 

The chase guide to checking account found on this link, https : //www.chase.comXXXX   does not mention anything about a " cash advance fee ''. Moreover, the description provided for Non-ATM Cash fee is " You use your Chase Debit Card to withdraw cash from a teller at a bank that is not Chase ''. But I did not withdraw cash, I was only making a payment.

I have attached both the simple guide for checkings account ( 3 pages ) and the Additional Banking Services and Fees for Personal Accounts Deposit Account Agreement pdf ( 13 pages ) available at this link https : //apply.chase.comXXXXXXXX XXXX. In both the documents, there is no " cash advance '' and the non-atm cash fee is only for a withdrawal of cash.

As an additional note, when I tried to my pay off my loan ( {$5300.00} ) it was declined since my limit was only {$3000.00} for a day. So, I called the bank and tried to get them to increase my limit or make an exception for this one transaction. After speaking for almost 30 mins they were still not able to do it. So that's why I ended up making two transactions. However, not once during this call any customer service representative inform/warn me about the charge I will incur if I proceed with the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Car loan was paid in XX/XX/XXXX. GM Financial continues to report a balance of over {$16000.00}. They continue to report this as of XX/XX/XXXX. They say the problem is with all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been unable to get my free annual credit report from Equifax online. After entering my request at annualcreditreport.com and selecting a report from Equifax, when I reach the Equifax website and enter the last 4 digits of my SSN, the response says " Online Delivery Unavailable ''. I had this problem when requesting my report last year ( XX/XX/2017 ) and it is happening again. When I ask why can't I get my report online, NOBODY at Equifax has an answer.

I do not wish to have my credit report coming to me through US mail. The process is not secure, there are too many opportunities for that piece of mail to be intercepted. Only Equifax has this problem, both XXXX and XXXX XXXX make online access to the report readily available. 

I realize Equifax had major problems with their breach last year, but they are failing to deliver acceptable service to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I requested all three major credit reports through XXXX. I received immediately my report from XXXX  and XXXX and was able to easily dispute and have corrected erroneous information I found on my report. However, as of this date, I have not been able to get a report from Equifax. 1. The security questions that were asked to identify me were not accurate therefore, I was forced to answer all 4 questions as false. Then I called Equifax on the XX/XX/XXXX and was able to prove that I was in fact, XXXX XXXX. I was promised that my report would be mailed. I did not receive it. I called them on the XX/XX/XXXX asking again that they mail a report. I even tried to pay for a report online but 4 more security questions were asked of me that did not apply to me. I was refused the report. I am deeply concerned that the information they are currently reporting is not accurate based on the 8 security questions that they have asked. I am reluctant to mail additional identifying information through the mail because of the many times mail has been lost and delivered to the wrong address. Any help you can give to me to obtain my Equifax report will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: LEXISNEXIS
State: AR

Complaint narrative:
ON XX/XX/2018 I SUBMITTED A SECURITY FREEZE WITH LEXISNEXIS AND I HAVE COPIES OF THE SECURITY FREEZE CONFIRMATION SO SHOW,, SO I DONT KNOW WHY LEXIS NEXIS IS SHARING MY INFORMATION WHEN I HAVE PLACED A FREEZE UNDER MY SSN,,, THEY SHOUDNT BE GIVING OUT ANY INFORMATION ABOUT ME TO NO ONE,, SO WHY IS IT THAT THE 3 CREDIT BUREARS STATING THEY GETTIN INFOMRATION FROM  LEXISNEXIS,,, I ASKED FOR YALL TO FREEZE ON MY FILE,, BUT YET U ARE GIVING XXXX,, XXXX AND XXXX ABOUT ME UNDER MY SSN,,,, I WILL BE FILING A SAMLL CLAIMS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to get an deferment and was denied I was on time with all payments and trying to keep my credit right and try to prevent getting fees but they was trying to get fees out of me and trying to ruin my credit and I'm tryin but a house they was no help my next step is getting attorney they was rude and not helpful like they just didn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
The below listed company has placed a collection on my credit bureau reports in the amount of XXXX owed supposedly to " XXXX XXXX ''. I do not owe any such debt and I am asking that this company be fined for putting false information on my credit report. 

1. I have lived in Arizona for 6 years and there is no XXXX XXXX company here.

2. I have been the victim of identity theft several times from 2009 to present. I was an XXXX XXXX service member and my social and information was stolen and also hacked into several times. 
3. I'm enclosing the latest police report to show that I continue to be a victim of identity theft.

4. I want this removed from all credit bureaus immediately! 


DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2018 a fraud charge for XXXX was placed on my credit card. 
I never went into the store nor authorized the charge on my behalf. 
I never use the card other than emergencies, so I didn't notice the charge. 
My identity was stolen which included Identification my purse my credit cards and my laptop with saved log in information. 
I notified the company regarding this transaction when I noticed a bunch of random charges and accounts on my credit report XX/XX/18 My credit up until this point was Steller and never filed any sort of dispute.

Bank of America denied the claim do to them filing it wrong as a duplicate card rather than Identity theft.

I called and was notified as to a fraud specialist filling out the complaint wrong. 
It was reopened and denied due to someone logging in to my online account. 

They said I should of noticed which it wasn't me due to the fact it was a credit card used for emergencies.

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 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I inherited my mother 's home as her sole heir through her recorded Will when she died XX/XX/XXXX. The home has a loan through Ocwen Loan Servicing/XXXX XXXX XXXX XXXX that originated XX/XX/XXXX. In XX/XX/XXXX, while I was residing at the property, the loan fell behind due to the financial strain of the circumstances and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to assume the mortgage through a family transfer package with plans to follow with a modification application to address the arrearage per Ocwens ' council. All 3 transfer attempts were denied, per Ocwen, due to the lack of my possession of the property deed. In XX/XX/XXXX, I again applied for a family transfer based on my inherited rights and at the encouragement of Ocwen and was denied due to not residing in the property at the time of the application. In addition, I was made aware that despite my inherited interest in the property and payment of the monthly contract amount I was not eligible for family transfer. Specifically, if transfer occurred while I was not residing in the property or if said property was rented for 3 years or more, the mortgage would be due and payable. I have been making mortgage payments as agreed with Ocwen however I am now barred from title and ownership because I reside in Maryland to work as a XXXX  XXXX on XXXX XXXX XXXX. I asked for an alternative resolution and was not provided with any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: FL

Complaint narrative:
All loans through XXXX college are bad loans and have requested to have the amounts and loans removed from my debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been in communication with my lender, LOANCARE regarding options to avoid foreclosure. I submitted documents to be review for loss mitigation. On Friday XX/XX/2018, I was informed that the lender had denied my application because they felt I could not afford my mortgage payment, I asked a representative if I can appeal the denial because I do in fact make more than enough to resume making my mortgage payments again. I was informed by the representative on behalf of LOANCARE that the letter was generated on Friday XX/XX/2018 and mailed to me and that due to that, the sale has been activated for tomorrow XX/XX/2018 and they intend to move forward with the sale without giving me the opportunity to appeal it. My application was denied on Friday, Monday was a holiday ( XXXX XXXX ) and today is now Tuesday, which has left me with one business day to figure out my options, how is this fair? My Homeowner Bill of Rights have been violated, I was refused the right to appeal well within the means of the denial and I was never assigned a designated point of contact with LOANCARE.

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 2018-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is Country Door # XXXX and they replied back as verified again in XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE

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 2018-09-04 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XX/XX/2015 I opened a Credit Card with Pentagon Federal Credit Union. I fell on hard times due to a accident that left me incapacitated. Nonetheless when I received my settlement money I called Pentagon Federal and spoke with a nice woman about taking payment for both my line of credit and credit card. The woman advised me that she would have someone give me a call back making sure that I was still able to pay on the card since it was close to approaching Charge-Off Status. The woman called me back the following day and stated that I just met the cut off stated her supervisor and she then proceeded to take the payment information. 
I would never pay money that I do not have just to have them report my credit on my credit as a charge off. I could have kept my money. In good faith I called to pay them and now they are stating that it was paid after it was charged off. If this is the case they need to give me back my money. The woman I spoke with was 100 % certain that it had not reached charge off status and that was how I was even able to pay the balance. This makes no sense and they are hurting my chances of purchasing a new home because of it. Not to mention my daughters tuition payments hold a higher than usual interest payment since they did this XXXX. I have the name of the woman some place and will send that in as soon as I locate it. I am tired of trying to fight these people to do what is right.

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