vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
To Whom it May Concern, I have been dealing with this issue with Navient since 2013. I am a recipient of the XXXX LRP program. I filed a complain with you ( XXXX ) regarding the reapplication of my LRP benefits. I have since received a report and I am far from pleased. What I asked for was the payments to be applied to the principal and interests for loan 1, 2 and 3. This should leave a balance of XXXX  based on my calculation and anything extra should role over to loan 4. I was disgustingly shocked by the report received from Navient. Now I understand why roughly a million students default on their student loans every year. The Principals for loan 1, 2, 3 and 4 are as follows : {$13000.00}, {$14000.00}, {$10000.00}, and {$16000.00}. According to the report received, the principal balances reflect the following in the same order : {$15000.00}, {$16000.00}, {$12000.00}, and {$19000.00}. As you can see this is a huge difference from the principal Navient is showing on their website. These figures do not include the interest accrued of the years prior ( since XXXX ). I was expecting to wipe out the total balances of loans 1 to 3 and may have extra money remaining to pay some of loan 4. This issue is becoming too much for me and my family. I want to get this behind me. I have been cheated. My father is very much incapable of repaying these loans and my sister and I want to pay them in it's entirety. He can not keep a steady job and the monthly payments for all these loans are equivalent to more than his monthly salary. At this point, I am more interested in coming to a settlement. I am willing to pay Navient {$45000.00} in 120 days. This is all the money I have in my 401K, savings and I will sell my car and some of my furnitures. I want to get this behind me. I have a history of mental illness. With the pandemic and all that is taking place in this world, I need to put Navient behind me for my sanity sake. There are so many layers to this insanity that I am no longer willing to entertain. I was to hear a balance of $ XXXX $ XXXX after the payments are recalculated. Nothing about this is right. Please take the settlement and allow me to move on from this. A this point in time I am exhausted. I am medically retired from the military and is dealing issues related to my illness and medical care. I can not take this nonsense. I do not understand what is going on and I am exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reached out to the XXXX post for a personal assistant job with XXXX XXXX. He interviewed me and offered me the position. He said that I would be doing some finance items for him - including depositing checks and invoices. He emailed me a check for {$2500.00} to deposit into my account and instructed me to go to the Post Office and get a money order for {$2000.00} and deposit them into an account at XXXX XXXX  for XXXX XXXX ( Account # XXXX Routing # XXXX ). After I did that, XXXX told me to take out the remaining cash of {$500.00} and go to XXXX  for a gift card, a XXXX XXXX Gift Card. After telling him that they did not sell the XXXX XXXX gift cards in the store, he told me that he would get back to me with what other types of gift cards " they '' accepted. After hearing this, I told him that I did not want any more part in this and that I would just mail him back the remaining money. He had a bit of a hissy fit but I have not heard from him since. Two days later, my bank informed me that the check was fraudulent and that I was on the hook for the {$2500.00}. I am currently unemployed due to the pandemic which is why I took the job even though it did sound a little too good to be true. I have the money order receipts and the deposit receipt as well and have reached out to my bank. My bank is now canceling my relationship with them and is holding me accountable for the full {$2500.00}, saying that since I initiated the money orders I am accountable. I tried to explain to them that I fell victim to a scam and that I have the emails and text messages that prove that I was not doing this to take the money, that I was doing this for my boss ( as I was hired ). Now, I have to find a new bank and somehow come up with {$2500.00} that I do not have. If I was not unemployed due to the pandemic, I would have never taken this job nor would I be in this position. BE CAREFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Below is a dispute letter I sent my credit card company on XX/XX/XXXX along with all the documentation I have attached which was my second dispute because they declined my first one. Since then, every time I call them, I get the run around. I called them on XX/XX/XXXX to check on the status and the person tells me that I shouldn't have opened another dispute because the first one was still open even though they sent me a letter on XX/XX/XXXX declining my dispute. So the lady tells me that she is updating my case and that XXXX has until XX/XX/XXXX to respond to the dispute and that I would know something by then. It is now XX/XX/XXXX and I just called Barclay again and still nothing has even been investigated. I am hoping that someone can please help me with this. 

On XX/XX/XXXX I booked an all-inclusive vacation with the online travel agency Bookit.com. 

{$4900.00} was charged to my Barclay credit card account on XX/XX/XXXX which was then paid off with my monthly payment at the end of that billing cycle. 

I received an email on XX/XX/XXXX confirming my reservation from XXXX. Please find the attached copy of this email. As you can see, I was due to fly out with XXXX XXXX to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX announced they were closing all call centers and that all resort bookings would be cancelled automatically. ( See attached notice from Bookit.com ). Additionally, that they were unable to refund any money to customers and that they should contact their banks or credit card companies for refunds. On that same date, I received an email from XXXX stating my credit card had received a credit for my booking of {$2300.00} which it did not and furthermore, that amount is not the full amount I paid for my vacation. 

After receiving that email, I called Barclay on XX/XX/XXXX to file a dispute. The lady I spoke to took down all my information but did not ask me to send any documentation. She simply stated they would investigate and get back with me. I received a letter from Barclay on XX/XX/XXXX stating they were unable to pursue credit on my behalf as the chip on the card was read and validated during the authorization process and CVV confirmed. This was not the reason for my dispute as I stated to the lady I spoke with. I am not disputing that I did not make the purchase, I am disputing the services not received. 

Due to XXXX closing, they have shut down all phone lines, emails, and website leaving no way for customers to make contact to pursue a refund or credit. Therefore, I am requesting that you open another claim for a chargeback of {$4900.00} for services not received.

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 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
Midwest Recovery Systems reported a debt from a payday loan i have no knowledge of. When asked to provide a copy of the contract, none provided, I have never had an account with Midwest Recovery, nor XXXX XXXX, this account appears on my credit reports, XXXX, and XXXX. Midwest Recovery violated FCRA, and refused to validate this debt and continue to report this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
NewRez/Shellpoint has begun adding ESCROW payment to my mortgage statement as of XX/XX/2020. Prior to them taking over my mortgage from XXXX XXXX Escrow was not attached to my loan as I paid my Taxes and Homeowners Insurance separately. 
My mortgage payment was : Princ : XXXX Inter : XXXX Escrow : XXXX Mtg Pmt : XXXX NewRez/Shellpoint has added Princ : XXXX Inter : XXXX Escrow : XXXX Mtg Pmt : XXXX To date they have assessed a total of {$800.00} due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On  XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
This is a follow up to complaint filed XXXX. I submitted a claim for wind damage on the property that I thought was on the covered by the loan in question. The loan was denied because the insurance company which was provided by Shell Point Mtg Servicing covered a different property. I have tried to get an original copy of my loan documents several time since XX/XX/XXXX and the last time was XX/XX/XXXX. 

Now I don't know exactly what property this loan is on. I am becoming more concerned as time goes on because all I get is the run-a-round from Shell Point Mtg on any question. They can not tell me what property they are holding mortgage on. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: NY

Complaint narrative:
I filed a dispute with Capital One. 

I attached a copy of the rental agreement. The rental agreement clearly states : Cancellation policy : Any deposits, rent and fees paid shall become non-refundable if the reservation is cancelled by Guest In this case, the reservation was NOT canceled by the guest ( me ), but by the owner of the unit. I am attaching the email that came from homeaway that clearly states : Unfortunately, the property manager had to cancel your reservation in XXXX, FL, XXXX for XXXX XXXX, 2020 XXXX XXXX, 2020. 

XXXX  site does allow for an owner OR a renter to cancel. If I had wanted to cancel on my end, I would have clicked on the site to cancel. I did not do that, which is why the email from XXXX states that the property manager had to cancel your reservation I would NEVER have clicked to cancel the reservation without a refund, because I would have let my sister and brother in law stay there without me as I stated in my previous letter, the reservation was for 6 adults including them. 
The owner chose to cancel the reservation, which is clear from the cancelation email. The contract only states I get no refund if I cancel which I did NOT do. Never in any of my emails / chat to the company did I ask for a cancelation without a refund. 
The owner did not fulfil the contract and canceled on their end which entitles me to a full refund. 

This seems to happen a lot with Capital One. The murchant responds and then the company " closes '' the complaint. I spoke to a manager who said he was the " final '' person I could speak to despite me having documentation that I did not cancel the stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: OK

Complaint narrative:
There has been a derogatory remark on my account in credit reporting agency like XXXX, transunion and XXXX. The truth of the fact is I did borrow money from the department that reported that. I am a service member and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XXXX XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.

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 2020-06-25 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: OK

Complaint narrative:
There has been a derogatory remark on my account in credit reporting agency like XXXX, XXXX  and equifax. The truth of the fact is I did borrow money from the department that reported that. I am a service member and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XXXX XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I was looking to refinance my home in XXXX. I got several offers and went with the best one from freedom mortgage. My current lender PennyMac reached out to me they would match or beat it, I liked the PennyMac services so I agreed ( they would match the APR and the closing costs saving me thousands from Pennymacs initial refinance estimate ). I signed closing documents with a notary approximately XXXX. On XXXX the title company called and said that PennyMac changed my HUD-1 form  and I owed {$8000.00} XXXX previous HUD Estimate was $ XXXX ) by the following Monday. 
I contacted PennyMac and they said they would work to fix the issue, after having several managers, loan processing agent and many representative involved, I went through four additional notary appointments to close, all of which the notaries reported the day before that PennyMac did not send them the documents and they could not have me sign. I am not being informed that they will force close the loan and are offering me a higher interest rate and about {$10000.00} in closing costs. We reached an agreement in XXXX and they have failed to get the documents in order and already agreed to a closing, I was also informed that they may be collecting a daily interest on my closing since the signing in XXXX which the reps and the loan processor are unable to deny/confirm. 

Complaint : PennyMac needs to honor the initial agreement they had me sign as I have waited four months. They should also be liable for the four months of interent on the payments I made. 

As of today, the representative reported, They can not process my loan because they have not pulled a credit report. This again is there portion and relatively simple, they have also added a closing charge of {$75.00} to pull the report in XXXX.

Company response to consumer: Closed with explanation