vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I started repaying my {$24000.00} XXXX in early XXXX. I even made a XXXX time {$5000.00} payment in XXXX. The balance is not going down, in fact going up. When I asked Navient for a supervisor they always said 'no supervisor is available. Last month I finally called the XXXX and they referred me to a Navient XXXX line. All I got from them is a listing of payments both principle and interest, and accredue interest ( and that document clearing shows my {$5000.00} was misapplied ). Still no help. I have been repaying for 20 years now, and as of today, XXXX, my student loan balance is {$25000.00}. Something is wrong and I need help. I attended and received loans at : XXXX XXXX XXXX, XXXX, and XXXX. I graduated in XXXX of XXXX, and with all of my payments AND the {$5000.00} XXXX payment, the balance is more than what I originally started with. Again with 20 years after graduation!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
i had called to stop several automatic payment withdrawls from my checking account. they had also missed one when i spelled out the name for him. he said they would show up pending when the withdrew, as he explained then the following day after i checked to see if the fell of they came in as miscellaneous items, i called the customer service department again they couldnt access the files, he said what some companys do is re submit them again under different amounts and that they put in a coverage rate and that they would fall off by XXXX the next business day well they paid them anyhow the ones i wanted stop payment on and the missed one that i even spelled it out for the representive, who was discouraged that he had to enter these stop payments when i called customer service she couldnt answer me that she could file a complaint that they dont record individual conversations in to whom we spoke with. i asked then so since i was a bank error would i have to pay overdraft fees until i have the money and she replied yes, but she said it wasnt a banking error.so now i am overdrafted no money and cant keep up with the overdarft fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a debt in collection resulting from a visit to an emergency room. The original debt was from XXXX and was turned over to XXXX for collection. I paid that collection in full on XX/XX/2017, and notified both XXXX and Equifax of that on XX/XX/2017. XXXX removed the reference from my credit report 2 days later. Equifax, despite repeated requests on line, by mail, and by phone, has yet to take action 39 days later. They assigned a confirmation number ( XXXX ) to this, but a check still shows it as " pending ''. I submitted another request on XX/XX/2017, which was assigned confirmation number XXXX which an online status shown as " completed '' with the note " The following disputed account or inquiry is currently not reporting on your Equifax credit file : XXXX ''. I have checked and rechecked my Equifax credit file and this collection is STILL shown as open and it is greatly impacting my credit score ( by some XXXX points ). When contacted again about this, Equifax sent me a " Research Request Form '' which I promptly filled out and returned to them. To date, I have heard nothing back from them. I am attaching various documents related to this, including the documentation that this collection was paid in full back on XX/XX/2017, as well as screen prints from the Equifax online dispute website showing the times I have tried to resolve this, as well as a copy of the Research Request Form sent to me by Equifax which was filled out and returned to them. I just do n't understand why they can not act to close out this collection and remove it from my credit report. Again, with EXACTLY the same information, XXXX resolved this in 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
This complaint is identical to XXXX previous complaints. In every case in these XXXX complaints, Wells Fargo has attempted to resolve the complaint by providing false information to both the CFPB and to me : - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) In summary, the complaint is that I can not transfer funds from my Wells Fargo bank account to a bank in the XXXX. Wells Fargo have claimed in the XXXX previous complaints that transfers are possible using Wells Fargo online. On XXXX 2016 I spoke to XXXX ( Online Banking, XXXX XXXX ) who confirmed that at that time, international transfers were NOT IMPLEMENTED on the web site, but that the web site was due to be updated on XXXX 2016. This claim has proved to be false. Today, it is still impossible to transfer funds using the Wells Fargo web site. Today 's excuse is that a customer needs a US-based cell phone in order to receive a text message during the transaction. I am resident in XXXX, and do not have a XXXX cell phone, and also can not even purchase such a contract. BOTTOM LINE : Wells Fargo is still holding my funds to ransom, even after XXXX complaints and XXXX incorrect Wells Fargo responses to the CFPB.

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 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: CO

Complaint narrative:
I talked to Citywide Home Loans for a new home financing. I knew my credit scores and asked him to provide me a verbal quote on how much rate ranges are. He said he can only provide me a rate after running my credit application. I asked him again - considering prime credit scores how much the rates would be. The competitors are providing 4.125-4.375 % for 30 years fixed with 20 % down and XXXX points. He said to me that their rates are competitive with others and they would be able to provide me similar rates. 

Then he ran my credit - and my wife 's credit and came back and said that their rates are at 4.75 %. Again, mine is prime credit with 20 % down so the credit check changed nothing at all. It was inexcusable for the lender to not have given this quote earlier. The only reason I was going with this lender is that the builder recommended using him and said they would provide {$2500.00} towards the closing costs if I used this lender. His rates were so bad that an outside lender would be cheaper to me by {$5000.00} even after excluding this builder credit. 

This was unprofessional behavior on part of the lender - he lied to me about what the rates would before running my credit check. My wife and I got dinged on our credit report unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I received a student loan through XXXX. My Loan was sent to a collection agency.After my Federal Taxes had been offsetted. To pay back the student loan. The collection agency is Navient.My account was opened by Navient and reported to all XXXX credit bureaus.It is well over the 7 years expiration period. I have contacted all XXXX credit bureaus.XXXX, XXXX, and XXXX.I contacted Navient to demand that they remove this inaccurate account record from all XXXX of the reporting credit bureaus.XXXX, XXXX, and XXXX. Sending them documentation of my offset.It has yet to be taken off. I contacted XXXX who informed I would have to wait till XX/XX/XXXX.Due to an update from Navient in XX/XX/XXXX.This is ludacris, and furthermore is hindering my family.From receiving adequate housing, schooling, and employment.Creditors are denying me left, and right for this ( 1 ) inaccurate collections.Please! Help me attain what I deserve.A fair chance to renew my credit. I have paid my debt, and would just like this account removed from all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Fedloan took over servicing for all my federal loans. They consolidated then and now I am asking for a due date change and they refuse. They will not work with me. I want to pay but they refuse to do anything to even help me. Shaday the customer service rep was very rude and talked over me. I asked for a supervisor. I wasn then transferred to XXXX who explained that they will not change the due date from an ICBR payment plan. While I was not advised of this, nor did I know I was locked in a forced to stay with that due date until today. When I had called on XX/XX/2017 the agent I spoke to incorrectly told me information in which Fedloan will not honor. They have a nasty habit of telling me wrong information, which then hurts my credit and hurts my payment history. I have worked hard to stay in communication with this lender but they will not work with you, they will not help you. The answer I always get is pretty much " Tough '' while their website is littered with saying to call in if you are having trouble making payments, or need to change due date. When I filed the ICBR there was NOTHING in any fine print, nor was it ever mentioned in conversations with Fedloan I was locked into that due date. I am now getting constant letters and calls, I am not able to EVER see up to date information because of their computer system. I made a payment on XX/XX/2017, the payment cleared my bank this morning at XXXX on XX/XX/2017, yet Fed loan wo n't show a posted payment until at least XX/XX/2017 making this reflect an additional several days late to my payment. The payments in the past made on Friday would be honored on that date even if it had clearned on the Monday after the weekend. I feel Fedloan is playings, inconsistant and unwilling to even work with borrowers. I can never ever get the same answer twice from them. It 's not right and it is morally and ethically wrong of Fedloan to operate in this manner. Countless student loan lender problems and NOTHING has been changed. NOTHING done at all to help just more frustration from Fedloan every day when I just want to make my payments on time. I was told I owe them XXXX bucks but my account shows pending payment still even though my bank statements CLEARLY show in black and white the payment was made, recieved and cleared and yet I am still 4 days late according to Fed loan. Why is this happening? Why am I denied current access to real time information of my accounts? I will never ever be able to pay off my student loans if they refuse to even compromise when I am begging them to take my payments on a date I know I wo n't be late! Why would any company turn down a customers money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With TransUnion and XXXX I have n't been able, as they stated that XXXX needs to be the one requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.

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 2017-02-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NE

Complaint narrative:
About XX/XX/2002 we took out a Reverse mortgage thinking it would be of benefit to us. However since that time our loan has been passed from one financial institution to another, to another, to another, XXXX being one of them. These companies have charged us very high rates, and put enforced insurances on our property, to the point now where we have very little equity in our home. We need to downsize due to health problem and age but do not know if we can do it because we have been robbed, we feel. I think this Reverse mortgage thing is a big scam placed on older people. We had to retire early due to severe health problems and now are in dire circumstances. Is there anything that can be done? Or is there any way we can get out of this? Please help us if you can. Thank you. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/2016 I became aware that I may be a victim of identity theft. Upon my having my credit pulled here locally, I was turned down and immediately called the XXXX credit bureaus. Apparently, a Discover credit card amongst several other accounts with multiple vendors, was opened under someone using a different name ( s ) while using my social security number and date of birth. I also came to find out that this account was opened in XXXX, Texas to which I have never lived nor ever frequented. I have consistently lived in the XXXX XXXX area for XXXX consecutive years now. I have since disputed this account with XXXX, XXXX and XXXX and felt it prudent to also contact Discover using this venue. I have never had an account with this bank in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I received the original notification from Navient that it was time to begin making repayments on my Student Loans. I knew that was to be expected and planned to do so when I completed my degree, but I had no idea how high the payments would be because the interest alone. I contacted Navient to discuss options and explained to them, there was no way I could pay that much at a time every month going forward, not and pay my bills. The payments were outrageous and cost prohibitive!! Navient said my only option was to consolidate. I went through the consolidation process and set up automatic recurring payments with Navient so they could begin taking automatic withdrawals from my bank account. However, in order to get a payment I could afford I had to stretch out my loan repayments until the end of time - I will be XXXX years old before I can get it paid off and I will have paid over {$40000.00} in interest alone - interest! To make matters worse, I wound up having to take some additional classes. I expected the payments to continue as it had been stated they would and could not stop once the cycle was set in place. Navient stopped withdrawing my payments when my courses began. I contacted them and told them I did n't want the payments to stop because I did n't want the interest to build any further as the interest was more than my loans already!!! Navient said the payments would not resume until I was done with my classes and it cycled up again. I told them I was not happy about that and had set up the payments knowing and expecting them to continue. I have continued making my scheduled payments ever since. I would have liked to go on to get a XXXX degree - but there is no way. The decision to advance my career and get ahead - to be able to afford life is a pipe dream and a scam. Student loans are great, but I gave my degree to loan sharks who only find ways to reap more interest out of me. 
ALSO - I have a loan amount that is a Consolidated - Subsidized loan. It is {$850.00} at this time. I ca n't just go to that one and pay it off in addition to my monthly payments that includes a much, much larger Consolidated Unsubsidized amount. I would love to cut off that chunk and at least stop the interest on it. 
**I am afraid to make any additional payments to any of it because I know my husband has had to prove his payments to Navient on more than two occasions because they were not crediting his payments correctly. I do n't want to deviate from their payment plan when I am able to pay more towards my balance for fear they will lose track of my extra payments and I will just be out the money. 
This has been a very frustrating and costly experience and I am still held back from going further by my student loan debt. Student loans are just another way to steal from and take advantage of those trying to better themselves in the job market.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BBVA FINANCIAL CORPORATION
State: IN

Complaint narrative:
I applied for their credit card on XXXX/XXXX/2015, and I was approved instantly for the credit limit of {$21000.00}. I received a letter stating my credit score of XXXX using the Experian as their source about five days later, and I received their card about a week later. I believe I received the card on XXXX/XXXX/2015. 

I used the card on XXXX/XXXX/2015 and XXXX/XXXX/2015. On XXXX/XXXX/2015, I used the card and had a decline. I called the number on the back of a card and, and the regular customer service forwarded me to a fraud department. The fraud department representative told me that my account is under a review since the last purchase on XXXX/XXXX/2015. The reason for the review is unknown, but they will have an answer between XXXX - XXXX. I called them back between these time frames. After 1 hour of waiting to talk to someone, I talked to XXXX of the fraud dept. customer service rep. The rep, XXXX told me that she does n't know what the another fraud dept. rep. told me, but the review will not occur on weekends, only on business days ; thus, I will not have any information what-so-ever until Tues, XXXX/XXXX/2015 the earliest. She also told me that my account went under the review on XXXX/XXXX/2015, XXXX, and the review was placed manually by a human being. There was no note from the person who placed my account under this review. She said that most likely suspected fraudulent activity put my account on the review ; however, when I asked why I was not notified of the suspected fraudulent activity on my account, she said that the review and suspected fraudulent activity are different. Thus, they are not obligated to let me know what is going on. It makes no sense because she established the connection that most likely the suspected fraudulent activity put my account on a review. I am tired of this bank making up a story as things progress. 

I was upset and started to look into this kind of the issue with BBVA Compass bank, and I found some information at XXXX : XXXX Apparently, what I experience is not an isolated incident, but occurs rather frequently with this bank. And, in order to get an answer from this bank, I must get help from an agency like CFPB ; thus, I am doing so now just to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
im receiving a letter about a debt i dont owe and i and the merchant ( XXXX ) suspect identity theft. the amount of the debt is {$1300.00}, the agency is diversified consultants inc, the agent is XXXX XXXX, their address is XXXX XXXX XXXX XXXX, FL XXXX the address that comcast found on file is somewhere in XXXX Florida . I 've never live in XXXX and i dont know anyone that lives there. the comcast account # is XXXX and the agency # is XXXX. XXXX told me to contact the ftc and file an affidavit but there website doesnt have the necessary form. it says that the link may have been moved. they also told me to file a police report. but i want to hear from you first before i proceed with that step.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
****This is An Attempt to Renegotiate Federal Student Loan Debt***** Currently, I am in Chapter XXXX Bankruptcy in the XXXX District of North Carolina - XXXX. While presently none of my Chapter XXXX payments are being sent to the Nelnet, the servicer for my XXXX XXXX Loans, the interest keeps accruing. Currently, my loans are in deferment because of the Chapter XXXX case. Also, I am currently on the PAYE repayment plan for my student loans. I have attempted to see what my current balance is, but because of my Bankruptcy case, Nelnet has block me from accessing my account online. 

I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest. 

Fact is, I have several medical condition including XXXX, which has limited my career options and has been an impediment to advance in my field. While, I hold a XXXX in my field, because of my XXXX, I will likely never be advanced to an XXXX level or XXXX level position because they both require the ability to XXXX. In fact, I am unable to obtain a higher paying management position in my field because of my XXXX. Fact is, hiring managers are prejudicial towards people who stutter. Right or wrong, that is the way our society perceives people who XXXX like me. If need be, I can provide letters from medical professionals and XXXX who can attest to the career and financial challenges that somebody who XXXX experiences. 
On the legal side, my ex-wife consistently engages in family court litigation with me because she does not like sharing custody of our XXXX year-old daughter. She has engaged in acts of parental alienation and consistently makes an effort to drain what little money I do have for a lawyer to fend her off in family court litigation. 

Again, to surmise, I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest.

Company response to consumer: Closed with explanation