vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On Tuesday  XXXX   XXXX ,  2017 , I phone  d Nelnet, my federal student loan provider, to get information regarding a loan forgiveness program. I expected to speak to any number of their loan counselors after providing my birthdate and last 4 digits of my SS # as I have done countless times before. Not this time. The first question was " are you interested in a loan forgiveness program? '' That struck me as strange but I pressed 1 anyway. I was asked a few simple questions. What was the total of my debt. Am I current or in default with payments. I was then transferred to someone else who could verify if I qualified for the forgiveness program. Of course I qualified with a three month application fee of over {$190.00} over a course of three months.
The issue I have with this is that I called a federal loan provider, Nelnet   by the number they have listed on their billing sheet  XXXX . Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: NY

Complaint narrative:
EXHIBIT A - herein annexed.
Personal information, page 25 of 26 of  XXXX  credit report number  XXXX , Date d   XXXX   XXXX  , 2017   showing   XXXX   XXXX   address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On    XXXX   XXXX   , 2017,    XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.
<P/><P/><P/><P/>
EXHIBIT B - herein annexed.
Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On   XXXX   XXXX  ,  2017,   XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I receiv  ed a letter from Ocwen Loan Servicing LLC stating they charged me {$66.00} for inspection fees.
OCWEN   has failed to properly service my loan from the time they took over servicing from  XXXX  in  XXXX   2013 . From da  y ONE they have had problems and have failed to acknowledge the errors in a timely manner.
They have falsely applied charges to my account and have not properly adjusted the balance once the errors were reported.
I called them many times and explain to them base on my Original Note, the only time Ocwen can charge me inspection fee is if I defaulted on the loan. ( Please see attach document item 14 page 13 ). It states : 14.Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrowers default, for the purpose of protecting Lenders interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then : ( a ) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( b ) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge ( whether or not a prepayment charge is provided for under the Note ). Borrowers acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might   have arising out of such overcharge I asked them many times if I ever default on my loan? They answered no so in that case they do not have any right to charge me inspection fees.   I called  XXXX   XXXX  at  XXXX  twice and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from  Chase s tating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on m y Amazon MasterCard. Th ey cited other accounts that have nothing to do with my great standing  with Chase. I worked at length to pay down my balances and I 've never been late on my payments and alw ays maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have a HELOC with PNC. I also have bank accounts and an investment account. The HELOC is on my primary residence in XXXX. My home was a part time residence as I lived and worked in XXXX  until XXXX XXXX 2017 when I moved to XXXX full-time. I contacted PNC to change my address on all my accounts to my XXXX home. My address was changed no problem on my bank accounts and investment account. I have forwarded my mail to my XXXX home so I got the statement for my HELOC the next month still showing my old address. I called PNC again to change the address. They said it was changed and I would not have any issues. The next month my statement again was sent to my old address and forwarded. I called PNC again and was told they would get it fixed. Within a week I got a letter from PNC saying they would not change my address until I wrote them a letter requesting it and for me to send them documentation ( utilities statements ) showing this was my address. I called and said I am not sending you that change my address and was told no. I opened a formal complaint with PNC and I received a call back from XXXX XXXX ( XXXX ) with executive escalations and she said they would not change my address without the requested documentation. I asked that this be escalated to the CEO 's office as I am not jumping through hoops to change my address. I have never heard from anyone and my statements are still being sent to my old address. At this point its about the principal that PNC is a horrible organization to do business with and I am not doing anything else about my address. Think about the absurdity of this situation. 1st they change my address no problem on my cash money/investment accounts with nothing more than a phone call. They will not change my address on a loan that the collateral is the address I am asking them to send the mail to. They are now sending my mail to an address that could be opened and accessed by an unauthorized person which I mentioned to XXXX XXXX and basically PNC does not care. If I have any fraud committed against me due to the fact that PNC is sending my mail knowledgeably to a old address I will hold them accountable. I tell everyone I know not to do business with PNC and I will not do business with them ever again. They treat customers like trash!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute  XXXX   XXXX  and  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Complaint is agai nst Navient I  keep submitting payments on time and they are processing them a week later and the payment is through a checking account. I understand a day or so for processing, but when I pay a bill at  XXXX  on the  XXXX  that is due on the  XXXX  it should post by the  XXXX . In fact they posted one of my payments on the day after it was due (  XXXX  ), but not the other larger payment. This has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ask for Validation from chase bank because they are reporting a account i am not sure of i was sent a letter stating Account info rmation is not available? i also asked   XXXX   to verify and I would Like Proof As per Sec 605, 609, and 623  no proof was every provided but replied back that Chase Bank  Verified  account and updated it on  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
on  XXXX   XXXX   XXXX  I took subscription for  XXXX .Account number  XXXX  On  XXXX   XXXX  equipment was shipped by  XXXX .   On  XXXX   XXXX   XXXX  send cancellation email.   On  XXXX   XXXX  confirmation email received of returned equipment Now I see on my credit report there is a collection filed on  XXXX   XXXX   XXXX  by  XXXX  for {$460.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from  Chase  stating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on my  Amazon MasterCard.  They cited other accounts that have nothing to do with my great standing with Chase. I worked at length to pay down my balances and I 've never been late on my payments and always maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: PA

Complaint narrative:
On  XXXX   XXXX  we contact ed Discovery Student Loans to n egotiate a longer repayment term in order to reduce the monthly payment amount - While polite they would not extend the term to 30 years which would probably allow me to make the loan payments without going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent dispute letters to Trans Union,  XXXX  and  XXXX . TransUnion and  XXXX  put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by TransUnion and  XXXX  unsolicited. I called TransUnion but was hung up on/disconnected six different times.I tried to call   XXXX   but can not reach a human being. I need the fraud alert that I did not request to be removed from my TransUnion and  XXXX  credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Jet Direct Funding Corp
State: NY

Complaint narrative:
i have applied with mortgage broker, he send me the CD has Jet direct funding corp .     his origination charges are {$6100.00}. the loan officer took {$25.00} K check from me as down payment to my attorney. he chose the attorney and did not give me his info. i have never spoke to my attorney or know who he is.     loan  officer  is refusing to cancel my deal, i wanted to go to another bank and will not give my my {$25.00} K back.

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 2017-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
In  XX/XX/XXXX  I took out a student loan serviced by  XXXX   XXXX  ( now serviced by Navient ). The loan was disbursed  on XX/XX/XXXX  in the amount of {$32000.00}. I made payments on the loan but had difficulty making the high payme nt. When I approached  XXXX   XXXX  the only option was forbearance. They said I did not qualify for any other repayment plans. Every time I called they offered me forbearance or a couple of months deferment. I have been making monthly payments on the loan with out missing a single payment or having forbearance/deferment sinc e  XX/XX/XXXX . Pl ease see the attached spreadsheet that I downloaded from the  Navient w ebsite. Currently I make a payment of {$340.00} per month. The amount is applied to both interest and principal. My principal balance never goes down. In fact, it goes up. I currently owe {$37000.00} and I have been paying on this loan for over 10 years. As of today, I have paid {$27000.00} toward my loan. Why has n't my principal gone down? Why do I owe more than I every took out, 10 years later? I feel that   XXXX   XXXX  /Navient is misapplying my payments, has misguided me and has not been truthful with me about repayment options throughout the course of this loan. My interest rate is set at 6.5 %. I have also asked about lowering the interest but they say I 'm not eligible. They have been impossible to work with when I did ask them about repayment options or why my loan balance never goes down. They also claim that they will follow up with me. When I call them back they say that they have no record of talking to me. When I send in documents they claim to never have received them. I understand that the CFPB has filed a complaint against  Navient. I know that I am one of the people who has been wronged by Navient.   Please let me know what I need to do to correct this problem that I have had. The loan amount and the payment amount are a huge financial burden on myself and my family. My current estimated payoff date  is  XX/XX/XXXX . I do n't see how I could ever pay this off with the way they are servicing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Brelvis Consulting, LLC
State: NM

Complaint narrative:
I have received multiple robo calls from  XXXX  Each time I am left a message or listen to a recording from   XXXX   XXXX   of Student Loan Help Center saying he has my application on file, and needs for me to call back so they can finish processing it and I can consolodate, have my student loans refinanced, or forgiven. Several weeks ago I called back and let them know I do n't have any student loans. I did not hear from them again until today ( several weeks later ) .I called back and left a message saying I 'd like to know how they can help me. I was immediately called by " an assistant '' who asked me if my loans were current. When I said I did not have any, nor had I ever had any student loans, she told me they must have my number by accident and abruptly hung up.
The numbers I have received calls from or called are :   XXXX     XXXX   XXXX  , CA a  XXXX  phone number   XXXX    XXXX , CA   XXXX     XXXX   XXXX  , CA

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
XXXX : XXXX USING THIS FRAUD COMPANY TO SERVICE WHICH IS A irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS. https : XXXX Send cease and Desist orders long ago, see how fake this is? After Recording Return To : ______________________ ______________________ ______________________ ______________________ _____________________ [ Space Above This Line For Recording Data ] __________________ FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by ______________________________ on behalf of [ Name of Person ] ________________________________________________________________. [ Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to XXXX XXXX XXXX XXXX ( XXXX 2006 ). XXXX, and XXXX XXXX XXXX XXXX XXXX is not licensed to do business in XXXX XXXX at least that is what the XXXX XXXX licensing division claim, or in the State of California. so the California Secretary of State shows this company is in collusion with XXXX ( XXXX XXXX XXXX pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments. You do not have chain of title you do not have a contract with the real owner of the property and land that you are offering for sale both on the internet ( wire fraud ) and in person. You have committed and been involved in fraud, swindles, tricks and schemes. This amounts to Robbery ashore as part of the pattern of racketeering activity y collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce. You must divest yourself of the ill begotten property, belongings and financial gain you have derived from your fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from you and receives, conceals, or retains the same with the intent to convert in to his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do you! Warrants and Bill has been issued already to 5 enforcement of the highest of the land. other info : XXXX XXXX XXXX XXXX XXXX XXXX Forgery/ Calif. code 115 ( a ) 10 years in prison. You have been notified. Remove the Auction demanded today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franks Adjustment Bureau, Inc.
State: WI

Complaint narrative:
I have just been informed of this co llection as of  X/XX/17 . THe co  mpany is saying that they can keep this on my credit report for 20 years. I have researched this case individually, and the amount out for collection exccedes the amount the first party originally attempted to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  has requested a credit inquiry for times now.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   and I just received ANOTHER credit inquiry from  XXXX   XXXX ,  XXXX   ( reference numbe r  XXXX  ). I have called them each time to have this removed because I did not request credit with them or  XXXX  ( which is what is on the denial lette r ). Ea ch time they state it will be removed but never is. I also filed a dispute with Equifax the last time in  XXXX  and they simply added a note to my account. I believe this to be fraudulent activity on the part of  XXXX  because they have been notified by me each time. I do not know what to do to have them cease this activity and it is impacting my credit negatively.

Company response to consumer: Closed with non-monetary relief