vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hi my name isXXXX XXXX. A long story short ... .I have federal and private loans through Navient. They are indicting that I owe almost {$80000.00} in loans!!! They are saying I have 4 loans through them. However, my parents have paid, in full, two of my federal loans and they have confirmation of such. I should only have two more loans through them which both my parents and I are paying. I have had a VERY difficult time trying to set up a payment plan with them so I can actually pay them back and not ruin my credit!!!! Its becaise of them that Ill never get a mortgage in my name : ( ( they have ruined my credit because they are not willing to work with me!! And when my mother just recently called to see what is was that we owe and how much, they wouldnt give her an answer!!! Whats up with that????

Working with them, well trying to work with them, for the last 11 years has been XXXX. They are unruly. I do not make that Much money and they want like $ XXXX/month from me!!! I cant do that.

Anyways trying, begging, for help and direction on how to see if they have XXXX  me over. There is NO way I owe {$80000.00}!!!!

Please help me ...

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
Received a notice dated XX/XX/XXXX stating my monthly payment was being increased due to a shortage.

According to the projected escrow balance and the allowable escrow balance (see attached), the shortage would be $XXXX a month. 

It shows a shortage in the actual current escrow account equaling $XXXX a month. 

Instead of adjusting the payment by $XXXX  or $XXXX, the payment was increased by $XXXX a month. When I guestioned Planet Home lending about the significant increase, their response was it is for “future possible” increases. 

That makes no sense. I know new property tax rates came out in XX/XX/XXXX in Colorado, so that could possibly affect the payment slightly, but $XXXX/month seem a bit high and I do not believe you can increase a payment "in case" there is a possible shortage in the future. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from Equifax and XXXX. I even wrote follow-up letters to Equifax and XXXX in late XX/XX/XXXX, but those letters have also gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
Dear Sir or Madam : This letter is to file a complaint against the student loan service provider, XXXX XXXX for misleading me to believe that I have made 24 qualifying payments under the Department of Education ( DOE ) Public Service Loan Forgiveness ( PSLF ) program.

On XX/XX/2019, after reviewing my student loan portal, I noticed that only 16 ( and not 24 ) qualified payments had been applied to my account. I phoned XXXX customer service asking for clarity. A supervisor explained that some of my payments only satisfied the monthly balance due and not the PSLF monthly balance.

Below is an illustrative example : PSLF tells Student Borrower ( SB ) to pay $ XXXX monthly starting XX/XX/XXXX. XX/XX/XXXX arrives and SB pays {$100.00}. {$1.00} exceeds the January balance and applied to the XXXX balance, reducing it to {$99.00}.XX/XX/XXXX  arrives and SB pays {$99.00}, the balance due for XX/XX/XXXX. However, the payment does not satisfy the PSLF requirement and is therefore not a qualified payment.

I have eight months of on-time non-qualified payments because I overpaid and then subsequently underpaid or, in other words, paid the actual balance. I see nowhere on my XXXX   account that highlights or notates a difference between the balance due payment and the PSLF payment. In fact, as far as I can see, there is nowhere that displays the PSLF monthly payment, particularly after an SB pays over the monthly balance, what XXXX   calls paid ahead.

The XXXX  supervisor explained that DOE guidelines is the cause of the confusion ; however, an easy solution for FedLoan to avoid the confusion is to prominently display both the XXXX  monthly balance and the PSLF monthly balance.

Id also like to note that I am a XXXX XXXX, XXXX  employee who believes in the spirit of the federal student loan forgiveness program. However, the program execution has seemingly failed people like me.

I ask that my eight ( 8 ) on-time non-qualified payments be applied towards my PSLF count and that the power of your office demands improved transparency for XXXX  SBs.

XXXX XXXX said that it will conduct a review of my account, which could last up to a year to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried making a credit card payment from Bank of America utilizing my XXXX checking account. Bank of America is saying the charge was rejected and after calling Bank of America they rejected to remove the {$25.00} return charge fee from the transaction. I then called Bank of America and they said I would need to confirm with XXXX  the transaction and why it was rejected.

I contacted XXXX and was given the following by them : " Thank you for clarifying ; I do not see any declined requests or charges that did not process. If we did not authorize a charge, it would be documented - I do not show any request. '' Bank of America has no right to charge me a fee when my XXXX  checking account has sufficient funds and the pull was not even initiated or recognized by BOA. BOA will not provide a resolution in this matter.

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 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: GA

Complaint narrative:
Automated Collections (XXXX) turned my account over to the Credit Bureau on XX/XX/XXXX. The two items were for XXXX each from a XXXX  that saw my daughter in XX/XX/XXXX. At that time my wife and I were separated and the kids lived with her, in XX/XX/XXXX my wife and I divorced. I never was told about these invoices. Once, I was made aware of  these charges by the collection agency I immediately contacted the collection agency and paid both invoices for XXXXXXXX each and was told that they would resolve the issue with the Credit Bureau. This has not been resolved and is negatively affecting my credit/score. I have always paid my bills on time. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from XXXX and Experian. I even wrote follow-up letters to XXXX and Experian in late XX/XX/XXXX, but those letters have also gone ignored.

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 2019-01-11 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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I just recently submitted a dispute to XXXX Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. National Credit Systems ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXX of XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to National Credit Systems, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. National Credit Systems and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are 2 issues with XXXX XXXX XXXX XXXX : 1 ) I secured a deferment for account XXXX in XXXX of XX/XX/XXXXto ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XX/XX/XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since XXXX XXXX hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes toXX/XX/XXXX In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXX thru XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There are 2 issues with Wells Fargo Dealer Services : 1 ) I secured a deferment for account XXXX  in XX/XX/XXXX to ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since Wells Fargo hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes to XX/XX/XXXX. In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXXthru XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are 2 issues with XXXX XXXX XXXX XXXX : 1 ) I secured a deferment for account XXXX in XX/XX/XXXX to ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XX/XX/XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since XXXX XXXX hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes to XX/XX/XXXX. In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have 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 2019-01-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have 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 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a checking and a saving account with Citi back to XX/XX/2018 in order to participate in the Second Quarter Checking account promotion. The term is to deposit XXXX dollars in the account for 90days and get XXXX dollar bonus. I've done everything as the term and condition stated and still not receive anything from CITI. Receive a letter from Citi in XX/XX/2018 saying I need to submit a XXXX tax form. I filled it out and sent it back to Citi on XX/XX/2018. I check my account today and still nothing. And I called citi agaaaaaain. A supervisor told me my form was rejected due to the permanent address is US address. I need to submit a supplement form to explain why a US address is valid which is ridiculous. I have legal status in the US and I live here now. The only thing is that I am not a US citizen. So I asked her if I have a Social security number, do I still need to submit this form. She said she is not sure and need to check. I waited in line for 30 mins and she just hangs up the call. It's been 8 months from the date I open the account with CITI. Still NOTHING. I have called for at least 20 times and provided everything you need. But Citi is always trying to ask for a new thing every time.

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 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC 
(XXXX XXXX)
$XXXX

This is not my credit card. This is fraudulent and would like this removed immediatelyld l

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent. An extended 7 year alert was placed with each of the credit bureaus with XXXX, Experian and XXXX. A request for Experian to remove the 7 year alert was submitted certified mail XX/XX/2018. While the return receipt was received that Experian received the request my client advised his Experian credit report still has the 7 year alert listed. An Experian credit report was obtain and while no alert appeared to be listed an attempt to secure a loan was made and then stopped due to the lender confirming Experian had the 7 year alert listed. A second request was mailed again and my client has attempted to use the online services with no success. He has also attempted to make contact with Experian via the live operator number XXXX however there was no help provided to assist in resolving this issue.

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 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Contacted Capital One on XX/XX/2019 was placed on hold for a long time ago and was constantly transferred. When I was finally able to speak to a rep, I explained my situation in regards to the credit limit on my accounts and asked for a supervisor. I was then placed on hold by rep ( ID # XXXX ) for several minutes, then was told that the supervisor she spoke to told her that they could not override the automatic system decision. I then explained to the rep that I asked to speak to a supervisor to be able to escalate my concerns to the executive office. This has been an ongoing issue when I contact Capital One, horrible customer service, long wait times and no resolution. Their employees all state different answers when pertaining to the same situation. TRAIN YOUR EMPLOYEES, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX 
(Capital One)
$XXXX

This is not my credit card. This is fraudulent and would like this removed immediatelyld l

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
CFPB complaint number XXXX-XXXX  was not properly resolved.

Original complaint : I processed a automatic payment on XX/XX/XXXX for my XX/XX/XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XX/XX/XXXX mortgage payment a second time on XX/XX/XXXX. I then confirmed that my bank made the XX/XX/XXXX payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/XXXX. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.

Since the time of that response, I received a call from XXXX XXXX at NATIONSTAR MORTGAGE ( dba Mr Cooper ) on XX/XX/XXXX indicating that the payment/refund has not been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank : Chase Bank Name : XXXX ( representative im talking to today ) Amount : {$27000.00} My account was closed without my knowledge and they claim they mailed a check to an address I dont live at. Needed to fill out a change of address form and get it notarized which I did. 

Reason for denial : Did not know a check number that was never sent to me. 

XX/XX/2018 - Visited branch to inquire about previous visit where I filled out and notarized the change of address form -- > XXXX XXXX location XX/XX/2018 - XXXX XXXX location -- initially filled out form and notarized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar ( Mr. Cooper ) is putting my home at risk by not working my file in a timely manner. At issue is a value dispute we submitted on XX/XX/XXXX as Nationstar has my property over valued and I am trying to sell my home. As of XX/XX/XXXX we still do not have an answer on that value dispute. That value dispute should take no more than 10 days to respond to and we are going now on a month. They have set a sale date on XX/XX/XXXX which is against dual tracking laws since my property is under review for a short sale. This is a violation of CAHBOR.

Company response to consumer: Closed with explanation