vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am writing this in extreme frustration of Navient, formally known as Sallie Mae for their vicious and repeated robo calls during the tenure of my payback period. I have been repaying my loan to Navient for several years and on several occasions, if only a day late with the nearly $ 400 monthly payment that I was required to make, I would receive repeated calls ( up to 6x a day ). These calls would all be robots, all from different random numbers and states, all with no one to talk to, including repeated calls to my co-signer. Navient is the only loan servicer that I deal with that has displayed this type of what I consider industry misconduct. The calls are harassment, and ineffective ( there is never s real person on the line ) I am apparently unable to remove myself from these calls, and no way to negotiate an affordable payment. Navient has repeatedly refused to lower my monthly payment, so there were occasions I would be late ; which is why they would justify these repeated calls. I ultimately had to take out a loan to set up a recurring payment to keep it under control, so the calls and harassment at this time has haulted. Unfortunately I was forced to do this because I had no other way of catching up. I want to flag Navient for potential loan seekers or even those who are currently dealing with them. Stay Away if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
I have call homebridge consumer service, haven't heard from XXXX XXXX branch manager, they give a number XXXX XXXX XXXX, XXXX XXXX officer refuse a appraisal refund, I feel loan officer Mr XXXX XXXX misrepresented my options by telling me loan was approved, requesting a fee or appraisal which homebridge cashed that declined the loan the loan should have been reviewed and declined before the appraisal was ordered I do not recall signing an intent to proceed disclosure, this is required before an appraisal can be ordered and charged to the consumer "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against the Fraud Department and Special Needs of Equifax in XXXX and English, I am a victim of identity theft for more than two of us, and they have many reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, made fraudulent reports the XXXX  fraud department. They are affirmed that this report is false. The accounts I am disputing are seven ( 7 ) and one of them Equifax is reporting double is XXXX/XXXX # XXXX for an amount of {$16000.00}, and the other is from another account # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX. And the following inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These accounts do not belong they were not opened by me and this is why I go to the Consumer Finance bure so that you are witnesses that the department of fraud of Equifax in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to XXXX. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police  department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right. I feel humiliated by the Department of Special Needs that manage my credit becauseI have sent via upload through the email which they send to me after I have talked to them. I comply with everything asked of me and even then they dont remove the accounts even with a police report and according to law which they are supposed to remove within 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I need to file complaint with CFPB about distinctly different 3 distinctly different companies. 
- Those 3 companies are - 1- Chase. - 2 XXXX. & 3 - XXXX. 

In XX/XX/2012 - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. 

- Things had gone very well! 
- Then - in XX/XX/2012 - some problems started! 

- In XX/XX/2012 - false charges started appearing on my Chase MasterCard. 
- I called Chase Customer Service to talk to them about that. 

- Some of the charges were from another state. Very strange. 

- I was avoiding using my Chase MasterCard for a while. 

- Chase de-activated my account. 

- Chase sent false info to my credit files! 

- I suffered from a ridiculous amount of adverse actions because of Chase sending false info to my files! 
- I also suffered from adverse actions because Chase failed to correct the problems even after 30 days! 
- Those 3 companies - Chase, XXXX & XXXX  have severely violated FCRA! 

- That caused more adverse actions against me! 
- For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of Chase sending false info to my files!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I made a complaint to XXXX about a {$50.00} mark in XX/XX/XXXX on my credit report they had on me that was made 7 years ago in XX/XX/XXXX, here now in XX/XX/XXXX they put a 90 day credit freeze on my report. I can't do anything, I am a senior citizen with XXXX, and I can't afford XXXX   here in the US and need to go to XXXX. This I had to cancel till I work this out. I called XXXX and talked to at least 6 people none of which where here in America, and asked a lot of question half of which I couldn't understand, and was transferred every time. This is a Foreign Company controlling my credit and asking for my SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Attempting to allow XXXX to verify my account and they receive a response that says that Capital One is blocking you from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XX/XX/XXXX Amount of loan : {$600.00} Public officials fee : {$38.00}? 
CAB : {$150.00} per month Annual rate : 332.92 % ( representing 5 payments ) Dollar amount of our cost : {$980.00} Amount of total payments after all payments are made {$1600.00} Had somewhat a hard time getting them to offer us a settlement to pay it off after 3 years. 

Payment made to them was {$700.00} on XX/XX/XXXX. 

Title to vehicle is to be released within 7 to 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
I closed a cell phone account with XXXX in XX/XX/XXXX/XX/XX/XXXX in good standing and all payments were paid in full with a XXXX balance. Since XX/XX/XXXX/XX/XX/XXXX I  did not have any accounts with XXXX and I joined my husband 's phone account where all bills are under his name. Therefore, I have not had a phone bill under my name since XX/XX/XXXX/XX/XX/XXXX. Suddenly, in XX/XX/XXXX, I noticed a derogatory collection on my credit report with XXXX XXXX   stating that I owed {$170.00}. I XXXX XXXX XXXX to obtain a phone number and inquire as to why I was being hit with a collection on my credit report? I was notified that the collection was with XXXX and that if I did not believe the collection was valid then I needed to contact XXXX. I contacted XXXX and gave them my information. When I went to verify information on the collection account, it was noted as an active phone line and all of the information on the cell phone account was not mine except for the name. At this time, the rerouted me to the XXXX   Fraud department where I provided information by phone to a representative. After this, there was no further communication with XXXX. I then proceeded to call XXXX XXXX and let them know that the information provided to them was inaccurate and that I had not had a phone account with XXXX in 8 years. I asked for Verification of Debt to see if my information had been cross-referenced or used by someone else. Convergent told me that I had to pay the collection and never provided me with any type of documentation. Subsequently, I disputed the accuracy and legitimacy of the debt. The collection was removed twice without any statement or follow up from anyone but then it would reappear in 2-3 months. Now it is XX/XX/XXXX and XXXX XXXX is continuing to call me multiple times a day but will not leave a message or reference as to why they are calling. In addition, I never received any validation that this collection is mine and if it was legitimate, my last valid account with XXXX would have been in XX/XX/XXXX/XX/XX/XXXX which is 9-10 years later ( past the Statute of Limitations. ) I question the validity and accuracy of this collection and I would like to be provided with all information necessary so I can proceed with necessary legal action.

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 2018-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I took out an equity line of credit from Bank of America to pay off ( 5 )  countrywide existing loans, which in turn paid them off in full from my main home which had no loan. The loan was {$350000.00} equity line of credit. It was very easy 11 years ago. The loan agreement was that after the 10 year term the loan would be converted to a new 30 year fixed loan. THIS did not happen and now the payment have increased to a 15 year variable loan. which in turn have increased my payment from {$800.00} per month to {$2700.00} per month. This was a scam by Bank Of America. They have refused me a new modified loan as they originally mentioned. I need to either find a new loan and join the class action lawsuit or file my own lawsuit against Bank Of America. They also have lowered my credit score by their continued inquiries from XXXX to XXXX. This HAS TO STOP. I need your help in this matter as soon as possible. I can be reached at XXXX or by email at XXXX or my backup phone is XXXX. I can be reached 24/7 .Thank you for your advice and help in this matter. 
Sincerely yours, XXXX XXXX retired on XXXX XXXX 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 2018-07-20 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: OK

Complaint narrative:
Experian is reporting on my credit profile a " FP '' from XXXX credit these account should show as closed and included in a chapter XXXX however they keep reporting as I owe this and it is a failure to pay

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 2018-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but TransUnion still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}

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 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc.
State: OK

Complaint narrative:
Conns is reporting to my XXXX credit report that I have 2 accounts  showing as " FP '' these account are included in a bankruptcy and the status on my credit reports are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
There are several unauthorized transactions from Paypal which include amounts of XXXX and XXXX on XX/XX/XXXX to a XXXX, a third transaction in the amount of XXXX on XX/XX/XXXX to an XXXX XXXX. These were were all reported to Paypal, nothing provided to me showing what these charges are for, Paypal reps were unable to find any information as to what product/service these items are for. A rep I spoke with yesterday was unable to find out what product or service the payment, XXXX, is for. He even stated it is suspicious there is no product listed on transactions. I do not know the person ( s ) whom funds were sent to and did not receive anything from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received an email from XXXX XXXX XXXX confirming that i signed up for their services and purchased XXXX somehwere on the east coast at the XXXX XXXX XXXX store. My identity was stolen, XXXX XXXX XXXX ran twice a hard pull using my social security. I'm curious did XXXX XXXX XXXX perform an identity check before using social security number to run the report. A couple weeks later I received a call from XXXX XXXX XXXX   fraud department saying that they put a fraud alert on " my '' account and said that there will be no hit to my credit score. Well, I checked my credit report and because of they pulled it twice with the difference in 2 days, my credit score went significantly down. I'm just curious, how in the world, XXXX XXXX XXXX did phones financing at the actual location without checking identity. Now I have to report stolen identity and dispute hard pulls and wait for the results because of their poor activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have been trying to have a buyer assume my VA mortgage. It has been almost a year and the process has not been completed. Ive called and emailed dozens of times to see what is going on and nobody will return my calls. What can I do? My buyer is qualified and has over 20 years experience as a mortgage broker and we are both at a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX SSN : XXXX. RECENTLY Capital one closed my accounts ending in : XXXX XXXX XXXX DESPITE ALL OF THE REASONS BELOW NONE OF THE REPRESENTATIVES COULD HUMANIZE WITH ME EVEN THOUGH I HAVE AN OUTSTANDING HISTORY WITH CAPITAL ONE : I have had this capital one account for over 3 years. I added my family as authorized users. I verified 9 out of 11 accounts. They shut down my accounts and I have been a good paying loyal customer for years. I am very upset about how they did business with me I have never missed a single payment but they shut down my account for me adding my family as authorized users. I COULDNT GET IN CONTACT WITH 2 OF THE PEOPLE LISTED. NOW THIS IS RUINING MY REPUTATION. 

IF MY ACCOUNTS ARE NOT REINSTATED I AM GOING TO FILE COMPLAINTS WITH THE BETTER BUSINESS BUREAUS, FTC, AND ETC. I DONT WANT TO DO THOSE THINGS SO I AM GIVING YOU GUYS AN OPPORTUNITY TO HEAR ME OUT. THIS HAS AFFECTED MY CREDIT SCORE. THESE ACCOUNTS NEED TO BE FIXED IMMEDIATELY. 

XXXX TELL THE CEO OF HOW THE LOWER REPS ARE TREATING LOYAL CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but Equifax still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
On XX/XX/XXXX you showed with action in a court of law that no international, federal, and state laws governs you with action in court and the laws are there just to serve your corporation or other corporations like yours so thank you. 
And you can tell me why this notary law from virginia doesn't matter ever? 
Section 47.1-15 : Prohibitions A notary shall not : 1. Notarize a document if the signer is not in the presence of the notary at the time of notarization, unless ( i ) in the case of an electronic notarization, satisfactory evidence of the identity of the signer is established in accordance with 47.1-2 or ( ii ) otherwise authorized by law to do so. 
2. Use the official notary title or seal to endorse, promote, denounce, or oppose any product, service, contest, candidate, or other offering.

3. Notarize a signature on a document without notarial certificate wording on the same page as the signature unless the notarial certificate includes the name of each person whose signature is being notarized. 
4. Affix an official signature or seal on a notarial certificate that is incomplete. 
A notary shall not perform any official act with the intent to deceive or defraud. 
A nonattorney notary shall not assist another person in drafting, completing, selecting, or understanding a document or transaction requiring a notarial act. This section does not preclude a notary who is duly qualified, trained, or experienced in a particular industry or professional field from selecting, drafting, completing, or advising on a document or certificate related to a matter within that industry or field or prevent a notary from adding a notarial certificate or electronic notarial certificate to a paper or electronic document at the direction of a principal or lawful authority. 
A notary may decline to notarize a document. 
Any document notarized prior to XX/XX/XXXX, which does not have the notarial certificate wording on the same page as the signature, but otherwise appears on its face to be properly notarized, shall be deemed validly notarized.

Company response to consumer: Closed with explanation