vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 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: NY

Complaint narrative:
In or around XX/XX/XXXXI contacted my loan provider. I had been working in public interest since XX/XX/XXXXwhen I graduated. My loans were consolidated inXX/XX/XXXX and the Servicer was Navient Solutions. When I heard about the public interest student loan forgiveness program inXX/XX/XXXX, I called Navient. I was told that I would qualify under my current plan but that my Servicer would change. My rate of repayment went down slightly. I was never told the term of the loan would be extended. Several years past, I made timely payments and then because I knew people were getting ready to apply for foregiveness and because may servicer was changing from XXXX  then to XXXX I called to ensure my payments were correct. This was inXX/XX/XXXX. It was due to the fact I had heard that many people were not in qualifying plans even though they believed they were. This was not the sole purpose of my inquiry. I also contact them because I was with a new employer and wanted to make sure they qualified. At this time I was told by XXXX I was not in a qualifying plan and I had never been in one to begin with. They told me both of my employers were likely to qualify but not one single payment I made would. I borrowed approximately {$110000.00} and over the last 18 years I dedicated my career to serving the public. I have paid approximately {$140000.00} over that time because of high interest rate. I still owe {$95000.00}. When I changed jobs and received the correct information I changed to a qualify plan. This was inXX/XX/XXXX. Because of the incorrect information I will have at least 9 more years to pay ( assuming this program still exists ), I will be XXXX  years old, and will have paid back over {$210000.00}. The worst case ( if the program does not continue ) I will be paying until I am XXXX  year old and the amount I will pay on my Federal Student Loans will be close to {$400000.00} when I borrowed {$100000.00}. It is unfair for the student loan companies to mislead and confuse their borrowers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Health Insurance Claim submitted on XX/XX/XXXXfor XXXX XXXX. Insurance received 2 claims for that day, both under billing for XXXX 1st ) Amount paid was {$91.00} 2nd ) Amount paid was {$50.00}. Total paid was {$140.00}. No CoPay charges. Collection agency claims creditor ( XXXX XXXX - XXXX XXXX ) submitted claim for {$71.00} and my Insurance paid {$61.00} and the {$10.00} difference was a CoPay. Insurance has no record of any claims for that creditor, and I had no copay deductible for that period. This claim is fraudulent or incorrect by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Waterfall Revenue Group
State: PR

Complaint narrative:
XXXX are billing me for an account that I don't have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a business checking account at Bank 0f America which was opened in XX/XX/XXXX. As a business owner of XXXX XXXX XXXX XXXX I have clients with established history of monthly payments to my business, in which I make frequent monthly deposits into the account. I made a deposit on XX/XX/XXXX from one of my clients, that I make monthly deposits from. A hold was put on the funds even though, there was never a problem with checks from this individual. This resulted in my business account being overdrawn, and two fees of {$35.00} each was charged to my account.

I called on XX/XX/XXXX to get the funds released, and the Agent was a bit surprised, and said he did not know why the funds were put on hold, and released the funds.

I asked to have the fees in the amount of {$70.00} credited to my account, it was done. However, it was added again to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC
State: LA

Complaint narrative:
After working unsuccessfully with my mortgage company, GMFS, to resolve an unexpected increase on my monthly bill, I filed a complaint with the CFPB. The response from the Chief Compliance Officer at GMFS was inaccurate. When I called SXXXX XXXX XXXX, the GMFS partner servicing my loan, to try and resolve the issue that way, I was provided with more completely inaccurate information.

1 ) In the attached response from GMFS Chief Compliance Officer, a monthly increase of {$270.00} is noted. The actual monthly increase is {$470.00}. The previous monthly billing statements were for {$1200.00}. The attached billing statement provided to me via CFPB complaint response is for {$1700.00}.

Further, when I called XXXX XXXX XXXX to inquire, today they told me over the phone that my XX/XX/XXXX statement is for {$1200.00}.

2 ) My local property taxes have increased by {$1000.00} annually. Even with a XX/XX/XXXX escrow shortfall of {$600.00} and XX/XX/XXXX escrow projections to account for the {$1000.00} increase, that should not equal {$470.00} per month for 12 months.

3 ) The attached CFPB complaint response letter shows an increase in my mortgage insurance. I have repeatedly requested -- in writing and via telephone -- for documentation from GMFS and XXXX XXXX XXXX  showing why mortgage insurance is required. This loan closed previous toXX/XX/XXXX I have greater than 22 % equity in my home, and all payments have been made on time. I do not believe GMFS should be charging me mortgage insurance at all, and would definitely want documentation to substantiate an increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XX/XX/18, I spent nearly an hour on the phone with TransUnion trying to get my credit report freeze temporarily lifted so that I could apply for a XXXX credit card. I first tried TransUnion 's web site and was unable to find a link to unfreeze my report. All I could do was order a credit report. So I tried the phone number that XXXX  had on its letter ( XXXX, a number XXXX  said had been specified by TransUnion ), which led to another dead end ( after being forced to listen to ad after ad after ad ) and a disconnect. I tried again. Same thing : long wait then disconnect. So I found another number, XXXX, which, after again being forced to listen to ads, NEVER gave me the option leading to a credit freeze lift. I tried that twice. Finally, I tried XXXX and eventually found a real person. ( I wont even complain about the terrible connection and hard-to-understand accent. ) TransUnion then charged me {$5.00} to temporarily lift the freeze.

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 2018-04-16 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I received an inquiry on my credit report on XX/XX/2018. I am not applying for anything. I called the Allstate Credit bureau which is listed and they indicated I should call a XXXX XXXX I did not authorize this inquiry and it should be illegal to pull someones credit. Allstate Credit bureau also not not have a valid license to collect in the state of Michigan. I have no clue what is going on. My credit was pulled without approval by an unlicensed or bonded company in the state of Michigan.

Their inquiry or attempts to collect on anything that has not been verified or validated while they are not licensed must be cease and deleted from my reports. I am not in any way acknowledging anything because I dont know whats going on but they are not licensed if bonded. Michigan requires the license as well.

If the need is present to go to my attorney general and XXXX I will Thai is wrong Im so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In the end of XX/XX/XXXX, XXXX XXXX company changed my monthly payment from {$680.00} to {$1100.00}, stating a negative escrow account. Due to my monthly pension and social security income, i was unable to afford the forced {$1100.00} payment. At this moment, i am receiving mortgage statements asking for reinstatement amounts of {$47000.00}. Ocwen has added forced insurances, fees, and have rejected my {$680.00} payments by returning them. During this same time, i received a debt cancellation of {$220000.00} which is shown as a shared appreciation-principal reduction on my mortgage statement. Ocwen has also changed the {$1100.00} payments to {$740.00} over the years on my defaulted payment account which is false because they never offered me the option to pay {$740.00} instead of the forced {$1100.00}. I am now in foreclosure, Case No. XXXX, which was on hold due to Motions sent to the circuit court of the XXXX judicial circuit  for XXXX   county Florida. Motions were sent to the plaintiffs in XX/XX/XXXX and XX/XX/XXXX. We have just received a Motion For Summary Final Judgement Of Foreclosure on XX/XX/XXXX. The plaintiffs are XXXX XXXX XXXX XXXX XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am trying to save my home of 39 years. I would like for Ocwen to give me a debt forgiveness or an affordable loan modification that includes insurance and taxes and of course a foreclosure sale cancellation. My dream of owning my home has been destroyed. I purchased my home in XX/XX/XXXX at age XXXX for {$35000.00}. I made the mistake of getting a refinance that led to predatory lending in XX/XX/XXXX and now i'm fighting to save my home at age XXXX. I pray that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX  date XX/XX/XXXX that was not autherized by me, and WELLS FARGO CARD SERVICES also pulled my credit report from XXXX  on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.

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 2018-04-16 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX  they placed the Inquiry on my credit report onXX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX date XX/XX/XXXXthat was not autherized by me, and XXXX XXXX XXXX XXXX   also pulled my credit report from XXXX on XX/XX/XXXXI have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES
State: NC

Complaint narrative:
I'm in the process of purchasing a home when I obtained my credit report. Great Lakes shows my High Credit as {$24000.00} but shows my balance as {$36000.00} ; a variance of $ +XXXX over the credit limit which has a significant negative impact on my score. I called Great Lakes in attempt to either have the balance lowered or High Credit increased but was quickly told by XXXX that there was nothing that can be done and that what they are doing is not illegal although its impacting my score by 60+ FICO points and will remain that way until the loan is paid in full, I have been on time and in this environment there should be some compromise to not penalize consumers who are doing the right thing. The interest is ridiculous and should be illegal. Please review and XXXX sit me to get some answer to my concerns and possible some reconsideration of this way this trade line is reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX Sold my collection to XXXX XXXX whom which i paid in full XXXX XXXX XXXX is reporting on my credit report a Balance of {$590.00} i would like for this to be remove from my credit report immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX Sold my collection to XXXX XXXX whom which i paid in full XXXX XXXX XXXX is reporting on my credit report a Balance of {$590.00} i would like for this to be remove from my credit report immediatly.

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 2018-04-16 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I secured an auto loan with Santander Consumer USA on XX/XX/2017 for a used car. I have been paying my auto loan on time for over a year and it has still not reported on my credit report. Per recommendation from the car dealership Santander is required by law to report to the credit bureaus quarterly or I am not liable for the loan. I contacted Santander and they stated that I would need to file a complaint through the credit bureau. Unfortunately, I am not able to file a complaint on something that doesn't exist on my report. Please assist with this. I have been trying to build my credit back up and I thought this was reporting. If I am not held liable for the loan I would like to see what is needed to do to get out of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX of this year I had a trip planned through XXXX .It was paid in full prior to traveling. While I was on this trip I had a dispute with the above mentioned company. It was settled and I was credited in the amount of {$1000.00} to my Saks World Elite Master Card, which is issued by Capital One. Since this was a credit on my account I called to get a check issued back to me. I have been waiting patiently and have been given the run around since the end of XX/XX/XXXX. Saks blames Capital One and vice versa. They both claim internal issues. As of this morning I have spoken to a supervisor by the name of XXXX, who rudely told me Capital One did not issue a check despite being told that numerous times that it was mailed and I should have received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a payment to Calvary Portfolio Services for less than was owed in a Pay for Delete agreement. I asked before submitting any payment that this will mean the tradeline is deleted and I never have to hear about it again. This was verbally confirmed by Calvary 's law firm via phone call on XX/XX/XXXX. Calvary is now claiming that there was no Pay for Delete agreement, but this is what was agreed to with their attorneys and I quote " when I pay this it will go away and I will never have to hear about it again '' - I was assured the answer was yes and that I could submit my payment online. Calvary is unreasonably refusing to delete the tradeline, per the agreement made verbally with their lawyers, because I did not get it in writing. I do, however, have a phone call recorded and I will be looking into securing a lawyer if this tradeline does not get DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
On XX/XX/2017 I was approved, online for a {$500.00} loan. The interest on the loan is 650.4843 % I have already made 8 payments with a total INTEREST charge of {$1100.00} I did make one additional principal payment of {$100.00} on the loan when I saw that the balance of the loan had not been reduced any. I live in the state of Virginia and have learned that this company is violating usury laws of Virginia where the maximum interest rate on such a loan is limited to 12 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On XX/XX/XXXX, we ordered an item from XXXX. The Item Seller ended up cancelling the transaction and issuing a refund. We got the credit card statement and it showed the item was Paid, and no refund was issues. So, we called Paypal as their company name is on the Credit Card invoice. Paypal supervisor said the Merchant issued a refund on XX/XX/XXXX, just 3 days after the item cancellation. Paypal says the refund usually takes a few days and possibly up to 30 days. Paypal supervisor then said, " We did our job, the money was put back on the card ''. I asked him " then why is there no evidence of a refund? '' He then said, " it can up to 30 days for your refund ''. I questioned him, as he just got done telling me the money was refunded. This supervisor was loud, talking over me, interrupting me and clearly was upset from my questions seeking clarity on the matter. I asked to speak to his Supervisor. This next and last supervisor named XXXX demanded to know my first and last name, so he can Verify the account, this was after i already Verified the account with the other supervisor and the agent before him. I told him my first name and told him i am tired of all the games, as i already went through all this before. He continued to speak over me and be argumentative, so i hung up and am filing this complaint. ALL CONVERSATION WITH PAYPAL HAVE BEEN RECORDED AND MAY BE USED IN A COURT OF LAW.

Company response to consumer: Closed with explanation