vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have several late payments o. My credit report from navient dating back to XX/XX/XXXX. The rep told me it 's 6 months, however I had a payment agreement set up with navient. They would automatically take {$220.00} from my bank account every month. This payment arrangement was set up in XX/XX/XXXX. I ask rep how am I 6 months late payment when I had the payment agreement set up? She then told me it as partial payment. I was NEVER informed of this. I was told that my monthly payment will take care of my loans. These lates are extremely damaging to my credit. The CSR let me do a retroactive forbearance but it does not update the credit report. What navient has done to me is unfair. They took my money for 5 months and continued to report my account as late. I recently applied for a discharge of loans with them since I was recently d 's as XXXX XXXX. The CAR said if approved they still wo n't remove the lates from my report. Please help me. email XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Razor Capital, LLC
State: GA

Complaint narrative:
I started getting advertisement from lawyers about taking on my case and filing for chapter 7 or 13. I did n't know what was going on until I looked up the state court case with my name on it from Razor Capital on behalf of XXXX XXXX, suing/garnishing me for an old business account in which the bank is closed ( shut down ). I do n't even remember the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I have had bank accounts at Apple Bank for over 20 years. out of no where they said they were uncomfortable with some of my deposits and withdrawals. I am in the XXXX XXXX and have many inflows and outflows of cash. Also, I like to play dice at various casinos. They said they were uncomfortable with my deposits of {$8500.00} in cash and questioned a bank check that I had gotten for a purchaase of a horse for {$29000.00} made payable to the former owner of the horse. I felt like I was targeted and was emabarasedd in the bank after going there for the longest time. I had no recourse. All I was told was that this was a decision by the internal audit department of Apple bank and was not a branch decision. Who are these people? the XXXX XXXX XXXX, they make these decisions and you ca n't speak to them or defend yourself?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I called to settle the account for my husband on XX/XX/XXXX,due to a balance discovered from our relator agency. Not once did we receive a letter of validation regarding this account. I called to settle the account to proceed with our mortgage loan. Today is XX/XX/XXXX and my ach information has not yet been processed for payment. I spoke to XXXX XXXX and she requested I give her another form of payment. I requested the information on to why my payment had not processed. I explained I do not want to be charged twice for a transaction that has not cleared I need to know the details. I left two messages for XXXX XXXX and still have not received a call. It does not take 10 full business days for an account to be charged with an ACH debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Company has repeatedly mismanaged {$430000.00} of my loans. Multiple IDR recertification requests were mismanaged or not accepted in time. Further with their delays, the forgiveness date is going farther into the future. The loans should be forgiven in  XXXX   XXXX , but because of their errors, the dates are in late  XXXX  and in  XXXX . Recently, I have been calling them to confirm IBR re-certification, but no one has called me back. Supposedly, "  XXXX  '' is going to be the person managing my account but I have not heard from him in over 6 months. I spoke to  XXXX  on  XXXX   XXXX ,  XXXX , ID  XXXX . He said my  IBR  recertification paperwork " should be '' accepted though it is not yet. He is not sure why it is takin g 3+ we ek s. ( Mind y ou, the paperwork is literally  XXXX  sheets of paper! ) He tried to get  XXXX  to talk to me initially, but  XXXX  was away from his desk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For the 1st time in over 3 years, I have fallen on hard times in regards to making payments on my card. I have never missed a payment and this is the first time this has happened. I have literally been getting automated ( dialer ) calls 4-5 times per day including Saturdays. This is 100 % unacceptable and borderline harassment. I have been in the XXXX XXXX for over 13 years and I am a XXXX XXXX XXXX. I am currently gong through a divorce at in the process of filing for bankruptcy. I am asking at this time that all communication via telephone to CEASE until my attorney is in contact with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have been with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is being serviced by Fay Servicing ; so all of my supporting documents were forwarded to Fay Servicing for their underwriters to ultimately approve getting me a mortgage modification. Over the years, their requested documents were sent multiple times as they became out dated due to the long review process. I was forced to file for suggestions of Bankruptcy to stop previous Foreclosure Sales giving Fay Servicing more time to work with my case, until the Court issued an injunction which prevented me to save the house. On XXXX/XXXX/XXXX the specialist I worked with had called to request more documents and on XXXX/XXXX/XXXX, the house was sold in a foreclosure sale. I believe the Bank was not in compliance when they sold the house while the documents were being underwritten. Please help me, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: EQUIFAX, INC.
State: KS

Complaint narrative:
On XXXX XXXX XXXX, I submitted a letter to XXXX to have a bankruptcy removed from my credit report. In that letter to them I request an investigation into the matter and provide me with any and all documents bearing my signature for said public records on my credit report. I informed them if they were not able to do so the file under the public records of my credit report must be deleted immediately in accordance with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ). Equifax sent an email on XXXX XXXX XXXX in response to my dispute of the said information above. Stating the information in my public records was verified through XXXX and not the State or Federal Court from which they have stated under the public records. This is in violation of Federal Credit Reporting Act, Section 623 ( a ) ( 5 ). I am requesting your assistance in getting this resolved and have my credit report accurately reflect my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a chase british airways credit card. The offer terms stated that I would receive XXXX Points if I spent {$3000.00} on my card within 3 months of opening my card. I have done this. My statement showed that I would receive the british airways points. ( see attached ) However the points did not show into my British airways account. When I contacted chase about this they told me that my British Airways account had to be registered in the USA for  me to receive the points, and that I should change the address on my british airways account to a US address. I have done this over two weeks ago, I called chase and they said they will have the points transferred within a few days however I am waiting over 2 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX and again on XX/XX/XXXX I request under California Ci val Code # 2943, that the servicer Nelnet provide within 21 days : a ) Certified copy of the Promissory note ( the original student loan ) with any modifiactions there to, including all endorsements, allonges or other indicia of transfers and negotiations since the note was signed ; b ) Certified copy of the recorded loan with any modifications thereto, including all other indicia of assignments of beneficial interest ; c ) Claimed unpaid balance of the loan ( full accounting from loan inclination to date of demand including but not limited to interest rate charge dates and changed rate - i.e. amortization table format ) ; d ) Claimed amounts paid ( indica of consideration ) for transfers of beneficial interest and dates of those paid amounts ( " for value received '' ), admissible evidence of an actual transaction ; e ) Current variable interest rate of teh loan along with history of changes thereto and thereof : f ) The end of the term of the loan ; What I received on XX/XX/XXXX was an account summary for XXXX XXXX prepared XX/XX/XXXX with a start date of XX/XX/XXXX ( not XX/XX/XXXX ) for loan # 1 with a principal balance of {$5500.00} and loan # 2 with a principal balance of {$3500.00}. I can not reconcile all my loan payments since inception and if they were applied correctly.Most interesting and alarming is that in the servicer 's response was a 1 page Application and Promissory Note ( not in my hand writing -very unusual ) date stamped XX/XX/XXXX and page 2 with my signature dated XX/XX/XXXX which looks like it maybe part of a Promissory Note. Question HOW DOES A LOAN GET FUNDED PRIOR TO AN APPLICATION BEING SUBMITTED AND APPROVED??????? This is what alerted me to potential fraud and that servicer has no standing or pretend lender has no standing in the alleged note. I therefore made 2 demands to Nelnet to refund the amount paid to Nelnet on loan # 1 {$6600.00} and loan # 2 {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: NC

Complaint narrative:
To whom it may concern : I have filed 3 disputes just this year with Equifax, and 2 disputes with XXXX  and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to Equifax on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX  or XXXX and its well past the 30 period. I am submitting this complaint for Equifax due to lack of investigation into my original dispute and to XXXX and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
Signed up for US Bank Altitude reward card on XX/XX/XXXX, with the primary reason being their 3X reward points on digital wallet purchases. I bought a XXXX Smartphone to be able to take advantage of this feature of the card. As soon as I received the card, I began using the card for all my purchases, from travel, to groceries, to everyday miscellaneous spending. On XX/XX/XXXX, I tried to use my card at a grocery store like I had several times before. It did n't work. I was n't sure if it was the digital wallet feature ( XXXX XXXX ) or the card itself. I called US Bank and they told me they could n't tell me what the problem was, but I was given a name and number in the investigations department. I called the phone number the next day ( XX/XX/XXXX ) and left a message. I got in touch with a representative the next day ( XX/XX/XXXX ) and was told that my card was closed because I had violated the card agreement by purchasing gift cards. I had done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I buy one gift card for my wife each week for her purchasing as a tool for budgeting. I have done this with other credit cards for years and never had a problem. While it would be inconvenient, I would have no problem not doing this on the US Bank card ( even though it is normal spend on my card ), but that my card was closed with no warning seems to violate any customer service standards or card agreements.
Additionally, upon account closure, I lost any access to rewards points that I had accrued.

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 2017-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I saw that the CFPB now has a class action lawsuit with Navient which used to be XXXX XXXX. I am co-signed on my wifes loans that started off as XXXX XXXX, both private and federal. The loans, switch to Navient, and during a time of financial hardship, I called in to see what my options where. At that time I was pushed to basically defer my wife 's loans over a period of time, and told I was still encure interest but no payment would take place. I see this is exactly what the lawsuit it for and wanted to make note that it has happened to me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a married couple we own real estate of over XXXX XXXX in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX 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 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a married couple we own real estate of over XXXX XXXX in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX 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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS Collections LLC
State: PA

Complaint narrative:
We are currently behind in our sewer and have been working to pay off our balance. The employees that work for Modern Recovery Solutions are rude and impossible to deal with. They told us they placed a lien on my property and that is not true. I verified this information w ith our county re corder of deeds. They are also threatening to shut off the water to a house we no longer live at. The water is no longer in our name and closed. They told us that we have to apply for a loan and provide a denial letter to be eligible to make payment arrangements. We can not afford an inquiry on our credit just to prove that we can not get a loan to make payments. How is that even a legal request to make a consumer apply for a loan to be able to make payment arrangements?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Servicing Corporation
State: CA

Complaint narrative:
Allied Servicing Corp., whose address is XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, has published a Notice of Trustee 's Sale thru XXXX XXXX XXXX XXXX XXXX ( XXXX ), whose address is XXXX XXXX XXXX, XXXX, CA XXXX, advertising that my property is scheduled to be sold at a public sale scheduled for XXXX XXXX XXXX at XXXX XXXX, at the City Hall in XXXX, CA. Please address the following : 1.  Allied Servicing Corp. claims that it is the Appointed Trustee of an alleged mortgage loan with former XXXX XXXX XXXX, which later changed its name to XXXX XXXX. I have verified with XXXX that my mortgage is not under default. Please stop the Notice of Trustees Sale. 2. Allied Servicing Corp. is demanding an immediate payment of more than {$30000.00} to bring the loan up to date, and offering refinance option for the remaining {$250000.00}, which has no basis since the loan has been charged off by XXXX XXXX. 3. Allied Servicing Corp. and XXXX has advertised the property for pre-foreclosure in the XXXX XXXX XXXX and XXXX, causing a lot of unsolicited refinance and foreclosure mails, and even unfamiliar people posting foreclosure notes at my front door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: WV

Complaint narrative:
For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: NC

Complaint narrative:
To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with Transunion and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from Transunion or XXXX and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to Transunion and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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