vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
Hello, my name is   XXXX   XXXX   XXXX   and I 'm contacting you on behalf of my grandmother  XXXX   XXXX   XXXX . My grandmother is  XXXX  and she is getting ready to retire from a  XXXX  so she has me trying to get her finances square to do so in relative peace. So I inquired about her credit cards that she has had sin ce  XX/XX/XXXX  a  nd  XX/XX/XXXX  and t hey have accumulated a few thousand dollars in interest debt even though she barely used them if at all, even not having a physical card. She was making her payments that were printed on the bills but she did n't realize that the cards were charging interest on the interest and compounding ove r two decades. Sh e is n't asking for a hand out but it is n't right for thousands of dollars to accrue from just interest on the interest before just to keep an account. Another amazing thing I found out when I contacted them is that when she opened the account  ( s  ), that they assume d one thousand dollars in  debt and charged 29.99 % interest on it even though she had n't used the card. They have lowered it down to 16.99 % percent but the damage to the account has already been done. Even with the debt she has a good  credit score a nd plenty more of actual available credit but she just wants to retire with a clean slate and as lifetime   XXXX   XXXX   XXXX   XXXX  . Also wants some semblance of justice or reconciliation on this matter. To her its a moral matter more than a financial one.     Thank you for your time,  XXXX  and  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
After viewing my credit report i realized on  X/XX/2017    AMERICREDIT  FINANCIAL  reviewed my credit without my knowlege or consent.I contacted them twice asking that the inquiry be removed and or send me the documentation with my signature and personal information that was used.They did not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I desperately need your help. I do n't know what to do at this point or who to contact anymore. I have filed a claim with the Department of Education Ombudsman Group and nothing has been done yet. Here 's my situation in   XXXX     I went to   XXXX   XXXX   XXXX   XXXX   and I was told and it was documented and signed that my total tuition was going to be {$10000.00} and I was approved for a federal grant of {$3700.00} and I was to pay  XXXX  to the school so the remaining balance was going to go towards a student loan. That paper was signed and documented. And that is why I enrolled in the school thinking I was going to get help by financial aid based on what the school told me. Well it turns out that what the school told me was all a lie the  XXXX  was applied to the student loan and now I am in debt and being harassed. I did my own research and it looks to be in  XXXX  the Department of Education raided this school  XXXX   XXXX   XXXX   XXXX  due to some kind of scam or Fraud took pl ace in this school and I have a feeling I am probably in  one  of those cases. I need help finding someone who can help me. If I knew I was n't going to be approved for financial aid I would not have enrolled in this school. In my credit report it is greatly affected because it looks like am in complete debt. I would like to either have this student loan be  discharged  or at least have a balance that indeed it is the correct balance. I see how you help so many people and I would love it if you help me by providing me a number of someone who can help me or point me to another direction. I also believe that  XXXX   XXXX   may b e involved in this because there Consolidation Loans make no sense. I feel like every time I pay it never goes down. I feel like all am paying is interest and that itself stays the same. I have  XXXX   Loan fo r {$5100.00} and I have a  XXXX  loan for {$3400.00} totaling  XXXX  I contacted them myself and they advised me that the loan was done in the school and now I a m just worried. I need help because at this point I do n't kn! ow what else to do on getting this resolved. I am trying to contact attorneys to help me, but I have n't found anything. The only thing I have found is someone helping me in the Department of Education Ombudsma n Group. I h ave attached all paper work that was provided to me. Please advise if you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
At  XXXX  today, Thursday,  XXXX   XXXX ,   XXXX  , I received a call from an  XXXX . Since I do not answer calls from numbers I do not know, it went to voicemail. The message was left from "  XXXX  '' at Navient (  XXXX  extension  XXXX  ) regarding " an urgent matter '' about my live-in girlfriend 's private student loan. The call was made to my cell phone which I use for work. I am not a borrower or co-signer and I never provided my phone number to them. They have no business contacting me as I have no business with them. If they continue to call me, as they do to harass her, I will be forced to pursue legal action. I do not want to be contacted by Navient again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
I noticed a collection on my credit reports in  XXXX    XXXX   for  XXXX . I had cancelled their service and returned the equipment so I was not aware of any debt owed to the company. I do not recall receiving any kind of correspondence from the company but learned in  XXXX  of this year that they had turned my account over to Receivables  Performance Management for collection o f {$400.00}. I contacted  XXXX  shortly after and requested verification which I never received. While speaking to the customer service rep, I asked if I paid the balance they said that I owed would they remove it from my credit reports and I was told that they would. Because I wanted it off of my credit report, I started making {$100.00} payments directly to  XXXX  since they explained that they would instruct the collection agency to remove the debt upon full payment. I paid over the course of 2 month in {$100.00} increments until the balance was paid in full in  XXXX . I was told o n 3 se parate occasions that upon payment in full that the collection would be removed from my credit reports upon the request of  XXXX . This information was given to me twice by customer service reps on  two  separate occasions and once via chat with a  XXXX  rep. I paid under the belief that they would do what they said they would. I even refused a settlement offer from the collection agency because I was told that the account had to be paid in full. Once I made the final payment, I contacted  XXXX  regarding the removal request and was told by a very rude customer rep that they would not instruct the collection agency to remove the collection off of my credit reports. I asked to speak to a supervisor but was denied repeatedly. No one ever returned my call, although I requested it. I then attempted to contact someone at the collection agency. I sent an email explaining the situation and provided a copy of the internet chat transcript between the  XXXX  rep and I but the issue was not acknowledged. I think it is unfair for  XXXX  to secure payment under false pretenses. I paid under the assumption that once it was paid, it would be removed. I was never provided with any information validating the debt although requested and my attempts to resolution to the problem was ignored by both the original creditor and the collection agency. Validation was finally offered after I had paid the amount they said I owed by buy this time it was useless since I had already paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On today   XXXX   XXXX   XXXX   a representative of the company  National Credit Systems of  XXXX  Ga  contacted me in reference to a rental property bill from  XXXX . The representative answered the phone by stating my first name and then continued by questioning me about the bill. He did not verify my last name ; which has changed due to a recent name change nor did he validate any of my identity or state the Fair debt collection practice statements that are required when calling a consumer. He was unprofessional and also asked me am I avoiding paying my bill. I stated that I have not received any documentation and gave him my correct address and that I am a recent graduate and currently unemployed. The representative continued with threats that my credit was involved and also stated that he would make sure he ensured a more aggressive way to get me to pay my bill. I contacted the  manager   XXXX   XXXX  who refused to help and was also rude. I called again to verify that the representative who called name was  XXXX   XXXX . I would like to ensure that this representative does not contact me further, and once employed I will happily pay the bill to the appropriate organization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On  XXXX / XXXX /  XXXX   I went to Bank of America, located on  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  in order to obtain a signature guarantee to transfer funds from my  XXXX  IRA account to my ex-wife 's  XXXX  IRA account, in accordance with the " Consent Final Judgment of Dissolution of Marriage. I was referred to a Merrill Lynch associate -  XXXX   XXXX . The service was denied to me in spite of the fact that I had all documents they need it to perform it and they were available to him. I was asked if I have an account with Merrill Lynch. My answer was " No '' moment when I was told he can not perform the request and I was asked to try other Financial Institutions ( which I did  ).  I wandered what the would 've been if i had an account with Merrill Lynch which is part of BOA. Fortunately, my ex-wife has an account with  XXXX   XXXX   XXXX  and based on the documents I had they performed that "  Signature Guarantee '' in less than 15 minutes. Under these specific circumstance I want to complain about the way Merrill Lynch, part of Bank of America tries to force consumer to buy their products. I think was unfair and discriminatory the way my matter was handled by BOA and I will do  everything in my power to correct this way of doing business.

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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When viewing my   XXXX       XXXX   XXXX  , 20 17 cr edit report under : report-summary > account-summary >    XXXX   I s ee I have a total  :   XXXX    open account  XXXX  collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to se e my CapitalOne account Status : " Negative '' The same page also states "  XXXX  has no closed accounts on file for you as  of   XXXX   XXXX   2017 ''  Finally I reach the Account-details Tab Where my Capit  al One account is reflecting a 60 day past due payment ; so now I 'm really confused!
CapitalOne never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report  XXXX  reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading.
I 'm providing a copy of my Capital One payment history. Along with my credit report, as I have viewed at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In response to my first complaint (  XXXX  )  XXXX   XXXX  sent information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1.  How would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now. Santander nor  XXXX   XXXX  sent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed then  XXXX  sent notification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: NV

Complaint narrative:
My payment has changed 3 times in the last 4 months the company I 'm I am currently with capital mortgage services has escrow analysis on my account in correctly multiple times the previous loan servicer I was with  XXXX  all is now dissolve company and no longer exist they put on   XXXX   XXXX   insurance and did not update my house insurance policy therefore the insurance was {$2600.00} a year now they will not give me any refund they have took all the money out of my escrow and they are changing my payment and charge me  XXXX  more dollars that my payment was before I need your help please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I just received a letter from Nationstar Mortgage that I have discussed possible alternative to foreclosure and received an application from me for a foreclosure prevention alternative. This is a lie. I never discussed nor applied for a foreclosure prevention alternative with anyone at  Nationstar. The most ri diculous thing about this is the assertion that it has been denied. Denied something I did not asked for.     When I called my dedicated loan specialist  XXXX   XXXX  on   XX/XX/XXXX  I asked specifically for the status of my HAMP Loan Modification I applied for in  XX/XX/XXXX  that is yet  to be resolved.  Nationstar unilate rally resolved the modification by denying me the modification and try to sweep it under the rug.  XXXX   XXXX  also told me the modification is over because th e Modification Program en ded in   XX/XX/XXXX . I am still in for the Program regardless of  XX/XX/XXXX  deadline. If I am out, then everyone who applied for it before  XX/XX/XXXX  are equally out. Know they in so I mi ne. Nationstar can not unilaterally deny me the modification because it has to be by a bilateral resolution. Is a commitme nt Nationstar has to fulf ill by modifying the loan because  Nationstar sign ed  HAMP Participating Agreement in the past committing itself to HAMP Loan Modific ation Program.     Also, I just received  3 regist ered mails for a foreclosure sale scheduled for   XX/XX/XXXX . They are similar to the ones I received on  XX/XX/XXXX  fro m  XXXX   XXXX ,  XXXX . The letter said please find enclosed advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX    There is no advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX   enclosed in the letter. That is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have applied a mortgage with fifth third bank as I have account with them and I had experience with them is banking service.when I applied for the loan, I checked with loa n officer whethe r there is any issue with my credit or the subject property. Loan officer ( NMLS  XXXX  ) said it looks good. They needed to do the appraisal for the property to review underwriting. before underwriting they have received condo questionnnaire from condo association. I was rejected for the loan. One owner owns  XXXX  or  XXXX  unit in the building and they found that it is not meeting the   XXXX   XXXX   requirement. Then this loa n officer in formed me that they are applying for an exception. Finally they send me the loan rejection confirmation letter.     While I was contcating other lender they asked me about single entity ownership as a first question. Also finally I have received a conventional loan from another bank when they applied for an exception.     This loan office did n't check the very basic information and he asked me to pay for {$490.00} for appraisal which I paid. So I have asked for a return of that money to the  53 b ank board nad they refused to pay back. This loan harrasment and {$490.00} payment happened only due to their fault. Also the loan office lied that they are going to apply for exception and he did n't. he confirmed me that when I called to check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there. XXXX XXXX is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with XXXX and say it is still valid. i Had 3 credit cards with XXXX XXXX ( one was formerly XXXX ) and I had difficulty paying them in XX/XX/XXXX-XX/XX/XXXX and stopped paying them. Last XX/XX/XXXX, I called XXXX XXXX and paid off all of the debts. They had sold it to XXXX XXXX. I have told them that I already paid XXXX XXXX and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from XXXX XXXX that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to XXXX and other collection agencies for the same amount of money. They also need to be corrected and removed Equifax also refused to take off XXXX XXXX and XXXX XXXX collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated. XXXX XXXX XXXX XXXX-two accounts. They were paid off completely and in full. THey are not charged off. XXXX XXXX-They did not verify it belongs to me. XXXX XXXX is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify. So all these inquiries need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On   XXXX   XXXX   XXXX     at approximately  XXXX  I called Navient customer service to inquire why my account was showing a past due balance and all payments have been made. I 'm on an income-based repayment program and based on a letter I received dated   XXXX     my current plan is effective through   XXXX     and my renewal of plan was approved. Customer Service Representative  XXXX  (  XXXX  ) reviewed account and provided misinformation, stating my plan expired in  XXXX . I read contents of letter and continued to receive misinformation, then requesting to speak to a supervisor. I was on hold for excess  of 40 m inutes, intermittently told that no supervisor was available and that same customer service rep continued to talk and place me on hold. After insisting I was finally transferred to a Supervisor  XXXX   (   XXXX   ) wh o informed that my plan expired and I had a higher payment for  XXXX , despite the letter I received indicated my plan was effective through  X/XX/2017   . The call continued with no resolve.

Company response to consumer: Closed with monetary relief