vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 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: NC

Complaint narrative:
We have XXXX loans through Navient. One is a consolidated loan ( XXXX ) and another is a XXXX ( XXXX ). They both have different interest rates with one substantially higher. We pay monthly online and never miss any payments. For several months we have been trying to make extra payments to the loan with the higher interest rate ( Stafford loan ) so we can pay this off quicker. They will not apply the extra payment to the loan. They evenly distribute this money across both loans. There is no way to allocate this extra payment to pay off the loan quicker online. When you call they give you the run around and say that your promissory note allocates this. This is so unethical. This is not true. We pay the normal payment allocations already that the promissory agreement requires. You should be able to make extra payments to the principle of a loan that you choose. There is absolutely no way to do this online or over the phone. Additionally, I have called several times over the last several years to make sure that I still qualify for the public service loan forgiveness program ( XXXX in public service for 10 years ) and are on track with my payments. They have always said my loans qualify and that I am on track with the right loan ( the consolidated loan ) and today I called they said I would have to re-consolidate this loan again and the 120 payments and 10 years of service would start from the date of re-consolidation? I already consolidated! This is complete fraud! If you consolidate again, then this would disqualify you from the 120 payments you have already been making toward that loan..Since I was upset they routed me to another number that would give me more information and I sat on hold for 1 hour and 13 minutes and was never re-directed. While on hold for 1 hour and 13 minutes the automated recordings said to set up a specialist appointment you need to visit their " change payment page '' on Navient.com. I searched for this page to set up an appointment and it does not exist. I used their search engines and could never find the page they are describing. They give you the run around .. Do not give correct information about your loan and seem to be scamming the system so that students are paying more on a loan.. Now we are stuck in a loan and keep getting the wrong information.I ca n't trust anything this company says. Every person we talk to says a different thing from their scripted book. You ca n't even make an appointment with a " specialist '' to discuss your loans. This is a truly unethical company misguiding and scamming students.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
The company Home at five and seventh ave bought are one company. They bought had XXXX separate credit card bills on my credit report. I called to see what was going on before I had never even received a catalog or anything from them I did not even know who they were. When the representative answered my call she explained to me that they had sent catalogs to my old address from when I was a child, I had not lived there in about 10 years, but my mom still stayed there and her name is also XXXX so, I explained to the company that it was my moms credit card not mine they had put it under the wrong credit report. From that day I have been trying to get the company to take the credit cards off my report but, they refused I have also disputed them several times. They are refusing to take it off my report even though my license even says I have n't lived where they sent the catalogs. but my mom did

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
They kept charging me, even after the debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I authorized a Wells Fargo XXXX account to be opened in my name with my previous employer. When I terminated my employment I had meant to keep the account open until the FINAL employer match was deposited. I started receiving letters stating a 'forced IRA ' was opened in my behalf. Whom authorized this? I was n't given a time limit on rolling the money into an IRA. Assuming the money was still in my original XXXX I called Wells Fargo to get a check remitted to my current bank where I 'd opened up an IRA account for the retirement money. I was told that the XXXX was still open, but the money was n't there! Instead, it contained the last remittance from my previous employer. What?! I was able to close the XXXX account and have the balance sent by check to me, which I will have to pay taxes on. The bulk of the money was tied up in an account I NEVER OPENED! How do I get MY money? I have to open the IRA account. In order to do that, I have to not only sign an application, but I have to prove my identity! You 've got to be kidding! That form has to be notarized and sent back in the envelope provided in which I have to provide the stamp! Once the account is open I can access MY money. Did I earn any interest on this money in this time frame? Probably not! 

I signed the form to open the account, I sent the proof of identity notarized, now I have to painstakingly call back someone at Wells Fargo to make sure that happened. I feel that I will most likely have to spend yet another hour to close the account I NEVER AUTHORIZED to open! Sad, frustrated, out time and money and still looking for MY money in 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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I bought a TV from BestBuy on XX/XX/XXXX in the amount for {$960.00}. The TV was broken when I opened it and I went to return it. They said it could not be returned because the TV was broken which makes no sense because that is why I was returning it. I would not expect it to be legal for a retailer to sell a consumer a broken TV which is exactly what they did. It was a horrible experience and the people at Bestbuy were extremely unprofessional. I opened up a dispute with Chase Credit ( Credit card because I charged the TV ). Chase took my information and told me that Best Buy has 90 days to respond. I followed up many times which can be verified through Chase as all calls are recorded for " quality control '' purposes. Finally, in XX/XX/XXXX, I received a letter from Chase stating that the dispute was denied. I called and asked why and was informed that the depute was denied because I did n't respond to a previous letter which they said they sent. I never received a letter that they are referring to I told the representative from Chase that and asked them to resend it and they said they ca n't and they closed the case. I escalated this by emailing XXXX CEO Chase Credit Card Services ( XXXX XXXX, NY XXXX ) at XXXX and called XXXX explaining this and he never contacted me. Instead I got a call from their office and they took my information and several days later told me the same thing that there is nothing they can do. This is absolute fraud that Bestbuy can sell a broken TV and even worse that a credit card would allow such a thing. Under law Consumers are protected from banks being able to commit fraud and I would like kindly ask for assistance in resolving this matter. I informed Chase that I will be canceling my Chase accounts immediately if this is n't resolved as well as changing banks as we do bank with Chase. Please note that I have been a Chase customer for many years and this is the first time that I have had any issue whatsoever and I have close to an XXXX credit score. They said my credit will be ruined if I do n't pay for the broken TV and that is not fair so this needs to be fixed please. I can be contacted at XXXX Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had a Home equity line with Regions Bank since XX/XX/XXXX. I decided to close the home equity line because they were charging me {$50.00} fee to keep it open. They sent this charge to their collections and reported it to the credit agencies after they gave me a written promise to wave off the balance to this fee back in XX/XX/XXXX. The letter was from XXXX, senior Vice President for collections- XXXX. This has affected my credit score ( XXXX to XXXX ) negatively. I have been to the XXXX Branch of Regions twice and each time they promise to close the equity line. I have called XXXX and disputed this late charge. 
One another note they did not report interest on my mortgage to the IRS in XX/XX/XXXX only send me a letter in XX/XX/XXXX that they had made this mistake.. I had get my accountant involved because of their mistake.

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 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: CA

Complaint narrative:
On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against XXXX because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of AFNI , INC has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

AFNI Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Marauder Corporation
State: IN

Complaint narrative:
I received a voicemail on my cell phone stating they were a collection agency ( Nationwide XXXX or something along those lines ). She said her name was XXXX XXXX and she was calling from the XXXX and were in the process of filing XXXX serious complaints about me to my state 's clerk office. She said they will serve me at my place of employment or residence. They said they would not file the complaint or take me to court if I contacted them to take care of the situation. They called my mother 's cell phone and left a message asking for me and saying the exact same thing I stated above. 

I called them back and gave the case number they provided on the voicemails. They gave me the last XXXX of my social and had an old work email. They said i took out a loan in XX/XX/XXXX and did not pay it back. They had the last XXXX digits of an old, closed bank account number ( which I do n't know if it was correct as that account has been closed since XX/XX/XXXX i believe ). They said the plaintiff is XXXX. I have no idea who that is, nor did I take out a loan in XX/XX/XXXX. I told them I would like to get this resolved, but that I have no idea what this could be. So I asked them to send me paperwork so that I can accurately look into this. They told me they do n't have any such paperwork and that they can only send me a receipt once I pay or set up a payment arrangement. The amount due is only a little of {$700.00}, but I refuse to give my bank information to people I do n't know. I checked my credit report, and I do not have anything listed from XXXX or any other collection agency I do not know of.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX Navient Predatory Loan will not work with us my son has been cut to 15 hours a weekemployment and a fulltime XXXX, I am XXXX. They have lied, mis-represented us while we are struggling to make payments, not to mention that when they were XXXX, we thought we were getting a XXXX. Navient, formerly part of XXXX, Navient has created repayment obstacles for us by providing misleading information, deceptive practices, and failing to act when we need help most. We need financial relief for the Navient Predatory lenders. They also intimated if we fall behind ( which will hurt our- xcellent credit ) they will be more apt to help us. ( What a scam=they make more in the default loan market ) Is n't this Illegal to say this? We spoke with many different people to no avail. We ne need a principle balance reduction or a fixed rate. Most notably i sent a letter to the Ceo XXXX, only to receive a response by XXXX XXXX XXXX x XXXX, again offered nothing! Please Help XXXX XXXX you can Publish, without my name & # thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Devon Financial Services, Inc.
State: IL

Complaint narrative:
I will try to be brief ... On XX/XX/2017 around XXXX. I received a phone call from my girlfriend stating that an investigator was trying to reach me. She told me that he needed to talk to me about a matter that will be held downtown in court tomorrow. While on the phone with her, I received another call on the other line from a man who claimed to be a " Fraud Investigator '' for XXXX. He insisted that a fraud case was coming up the next day in court and that I needed to be present .. This was a lie and I found out that he was an employee for Devon Financial a XXXX. I then related to him that any XXXX i had was discharged with my bankruptcy. I also explained that I was a retired XXXX XXXX and what he was saying wasnt true. He became irate with that and proceded to call me a " XXXX! '' My immediate response was " What Did You Just Call Me? '' To which he responded, " You Heard Me! '' I then told him I will be making a complaint and hung up. Now this type of conduct is very unacceptable, unprofessional and above all " XXXX '' and needs immediate attention and more screening of your employees. I really look forward to hearing from your office regarding this matter. I thank you in advance. 
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 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My Son barrowed XXXX for XXXX school in XX/XX/2005. He was making his payments on his loan until they split the loan XXXX times. Now XXXX portion of the loan is up to XXXX He is no longer able to make the payments on this loan due to him XXXX over this. The harassment and hounding from these lenders is unthinkable. We now have to live our lives without him in it due to his student loans. These people should be held responsible in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed several inquiries with TransUnion Credit Reporting Agency and unfortunately their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Please see the below inquiries that I sent in to be investigated and deleted from my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2017-03-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Sir/Madam, On XX/XX/2016 I made a purchase at Lord & Taylor ( L & T ) for {$290.00}. They offered a discount opening a credit card with Capital One ( CO ), which I did. That same day I paid the full amount owed. CO sent me a bill for the {$290.00} in XX/XX/XXXX. I contested, providing poof that the amount was paid in full ( bank statement ). I received a CO letter indicating they received my information and were investigating, and that no late fees, or financial charges will apply. This followed approximately 22 calls made/received to CO. They continued sending bills for the amount paid, adding late fees and started harassing calls that they were sending me to collection unless I pay the amount again. Their billing process and customer service do n't speak to each other and they are not following up with the investigation, which should have been pretty simple as proof of payment at the store was provided. It 's been approximately 120 days fromt the purchase and 90 days from my complaint to CO with no results. 
After almost two dozen phone calls and hours spent, it 's very clear that Capital One practices are deceiving and purposedly designed to by time consuming. Their customer service and billing department do n't speak to each other : the former sent a letter stating no late fees or billing will apply while in dispute, the later keeps billing me, calling me and makes threats to send me to collection if 'not ready to pay today '. 
The process seems designed to prey on individuals without the time, copies of receipts, or the money to make dozen phone calls and send copies of the receipts. I was fortunately able to do all that and still they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Assigned Credit Solutions
State: AZ

Complaint narrative:
Debt collector trying to collect for a hospital XX/XX/2010. My husband has never been associated with this hospital for medical. We live far away from XXXX. Collector claims there are XXXX bills totalling less than {$300.00}. My husband is XXXX yrs. old on XXXX and XXXX for Life as an XXXX veteran. We rarely pay out of pocket for medical expenses as are fully covered by his military service. I was phoned this past week by the collector. Friday is the deadline if he does n't pay. We have no idea what the procedure was for or by whom in the hospital. We always pay our bills on time, so perplexed why we were never billed if legitimate. I wo n't pay this without not knowing what it is for itemized. Can you help us in finding out if this is legitimate? We do n't really know what to do without proof. We would gladly pay the bill if we knew what it included. Thanks.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
Rise Credit : XXXX, TX XXXX Part acct : XXXX We got a loan from Rise Credit for {$5000.00} and payments have been made over {$2000.00} approx. and yet the company does not allow access to my account information online or billing by mail, Why? I have asked XXXX for help and yet My balance does not seem to match what we have paid ; in total. Can you please investigate Rise Credit and XXXX for Fraud? XXXX ; XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My loan was signed by XXXX at XXXX. I was given an " Application & Disclosure Package '' PDF that includes " Notice Concerning Private Mortgage Insurance Initial Disclosure - Fixed Rate Mortgages '' that states I 'm eligible to have PMI removed on " The date the principal balance actually reaches 80 % of the original value of the property ''. 

This was a 30 year fixed rate conventional mortgage. I occupy the property. It 's a XXXX unit property. 

After reaching 79 % LTOV I called US Bank, my loan servicer, to start the process of removing PMI. The original phone guy I spoke to verified I was good to go and said he would send me some snail-mail about how to start the process. 

I received a letter from US Bank containing " Guidelines for Private Mortgage Insurance Cancellation ( Multi-Family and/or Investment Properties '' that says I must reach 65 % LTOV ( contradicting the 80 % in my disclosure from XXXX ). It also says I am never eligible for automatic termination of PMI ( which is also a contradiction to the disclosures sent by XXXX at XXXX- although it 's not affecting my situation ) When I called US Bank to straighten this out, after some phone tag to get to the right department, they said they do not have the documentation for my mortgage so can do nothing, but the will try and find it in their document center, which can take a week ''

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