vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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: WI

Complaint narrative:
My student loans have been through Navient for a while now. I have 2 loans, one is from subsidized and one is from unsubsidized monies from school. 

balances, each at 6.750 % interest : loan 1 = {$5000.00} ( is pay off amount ) loan 2 = {$6200.00} Yesterday I went online and clicked payoff for loan # 1. I then made sure in the screen that allows you to direct your payment allocation that the full {$5000.00} is being applied to that one loan. So the full loan ( number 1 ) is paid in full. So now I should only have that one remaining loan to pay, with one interest rate. 

I go online today to make sure everything is processed correctly since the email just states my payment was applied. No, it was not. So the history on my account shows that I applied the full amount to one loan. BUT now  they have taken the remaining {$6200.00} loan and split it into two loans again ... each having their own interest rate again! 

So now online it says I have ( both with 6.750 % interest again ) : loan 1 = {$2800.00} loan 2 = {$3400.00} This is wrong!! So I called and the representative said I applied the payment to both loans. No ... even online, while looking right at it while on the phone with him, it shows I applied it all to ONE LOAN. So I proved him wrong there. So I said, so on my online view and the front end everything was applied right and now you guys split the remaining balance in two loans again? SO you're wrong on the back end somehow that does not show on my account? He kept wanting to argue that I applied it wrong when i didn't. I asked how they are allowed to split a remaining balance into two loans ... or even yet ... would they then split it into three loans if they want to? I want to also be repaid for the interest being charged on two loans when I only have ONE remaining. 

So he said he was going to submit the request to have it put back to one loan and I will have to check in 5-7 days if this is fixed. My question is, shouldn't this be seen as illegal somehow? How can they turn one loan into two and apply interest to both like that? How many people do they do this to that don't even realize it and are paying more in interest than they should be? Now I wonder if any of my payments were applied correctly in the past as well?! I have always paid on time ( for 12 years now on time! ) and for the last handful of years I have been making double payments. This now makes me very nervous to think I have paid more than I was suppose to and they have somehow applied it differently on the back end to where people can't see it when they log into their accounts. Very skeptical on this now and think something should be done about it. It hasn't been the 5-7 days for them to fix it yet ... but I just have a bad feeling this is not going to be remedied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To CFPB, once again Equifax is up it again placing something on my credit report without as much as even checking for verification. A company called XXXX XXXX XXXX to which I do not know and we NEVER received a single thing concerning this matter what ever it is. This time CFPB do your job and fine Equifax or my attorney and I will take this to a much higher level. We mean business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AK

Complaint narrative:
Our mortgage is serviced by XXXX XXXX XXXX , XXXX, also known as Loancare. 

Loancare states they sent notice via mail that our escrow payments were to increase beginning inXX/XX/2019. We did not receive this notice, nor did Loancare contact me ( they may have tried to contact my wife, but I have repeatedly advised Loancare I am the primary point of contact for this account ). 

We sent our XX/XX/2019 payment in on time. However, this payment did not include the {$63.00} increase in our monthly escrow payment. We received a rather confusing notice form Loancare, where there was a claim our payment was late, but it also appeared it had been credited. 

Later in XXXX, I received notice from a credit monitoring agency that Loancare was reporting our payment as late. This is incorrect. I reached out to Loancare after receiving this notice, first by phone, then by email after being informed my wait time on hold would be more than an hour. 

I eventually called again, and spoke to a representative, who informed that, because of the difference of {$63.00}, my payment was being reported as late, and a late fee of {$100.00} was being assessed. A late fee more than 60 percent higher than the amount in dispute is, frankly, absurd on its face. I immediately paid the {$63.00} shortage, and disputed the late fee. I also arranged for a supplemental payment of {$63.00} for my XXXX bill to go out, and arranged for future mortgage payments to include the additional {$63.00} payment. 

Today, I received a terse email from Loancare stating they would not eliminate the late fee because it had previously waived a fee. 

Now, not only do I have a late fee, this has been reported to credit bureaus as a late payment, which has caused my credit rating to drop more than 70 points.

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 2019-03-20 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I tried to open a savings account. My application was denied due to Experian putting a freeze on my credit report. I tried calling them to unfreeze my report but could not reach an actual person. The automated messaging system did not give an option to unfreeze a report only to put a security freeze on your report. I called 6 different phone numbers for Experian and was routed into the same automated messaging system each time. I tried using their website to unfreeze my account. I entered all of my information and hit submit only to get a response back that states " We are unable to process your request '' and " If you need further assistance please call XXXX. '' This is the same number I tried calling in the first place. 

I believe that it is unlawful for a credit reporting agency to have this much control over my financial business without having any recourse with an actual person to resolve issues.

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
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
We refinanced our mortgage in XXXX of last year. Our loan was sold to Round Point Mortgage and our first payment with them was XX/XX/XXXX. Our escrow account included homeowners ' insurance and property taxes. Our FHA loan requires that these items be paid through escrow. Without notice, Round Point decided that they would pay our irrigation fees. These fees are not a tax and were not included in our escrow. The first we knew about this was when we received our Escrow Analysis in XXXX of this year. There was an item marked " Ground Rent ''. I first called Round Point on XX/XX/XXXX to get a clarification for this {$420.00} charge. It took two weeks to get the clarification that this was for our irrigation fees. I then requested that they remove that from our escrow. I had several more telephone calls from Round Point. Finally, on XX/XX/XXXX I received a telephone call that the Irrigation Fees had been removed. I asked for a new Escrow Analysis report, and on XX/XX/XXXX I paid our Irrigation Fees. On XX/XX/XXXX I received another follow up call from Round Point and this person seemed to know absolutely nothing about the removal of the Irrigation Fees. I asked to speak with a supervisor and was transferred to XXXX XXXX. He took my information and said he would submit the request to their Escrow Department. On XX/XX/XXXX I received a telephone call from XXXX at Round Point, telling me everything was done and gave me a new payment amount. This amount was significantly smaller than the original and I told him I didn't think it was right. He told me I would be receiving a new Escrow Analysis and the information would also be available online in 24-72 hours. I looked on XX/XX/XXXX and found they had removed my property taxes from my payment but the Irrigation fees were still there. I sent an email to XXXX XXXX, but he hasn't responded. Then, yesterday I received a check from Round Point in the amount of {$610.00}. I sent another email to XXXX XXXX today and he hasn't responded yet. At this point, Round Point has us in violation of our mortgage agreement with FHA and I can't seem to get this fixed. Any help would be appreciated. I still haven't received an new Escrow Analysis. I am attaching my closing papers and the escrow analysis we received 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 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. XXXX ( XXXX ) DOB XX/XX/XXXX SS XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-03-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I've been in contact with ace cash express in the past and now i'm receiving calls at my place of employment threatening to have my wages garnished and using profanity The man says his name is XXXX XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Nicholas Financial Inc.
State: VA

Complaint narrative:
Today is XX/XX/2019 ..I been fight with this company call Nicholas financial about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them XXXX it's says charge off XXXX  it says repo XXXX  it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have a Discover Card which had a past due balance. I was notified that the account would be charged off it a payment was not made on the account in XXXX. Via their online chat, I was advised by a representative from Discover that If I made 1.5 payments I could get a credit for half a payment, thereby knocking my delinquency down by 2 cycles. I was told that if I made this payment by XXXX at the latest, the account would not charge off. Therefore, I scheduled the payment with the online representative. The payment successfully processed on XXXX. 

In XXXX I was notified by Discover that the account had charged off. When I contacted them ( once again via online chat ) I was told that the account charged off on XX/XX/31 therefore my payment for XXXX did not reduce the delinquency. When I asked why their representative allowed me to schedule a payment for XXXX ( my payment is normally due on the first ), and assured me it would pay down my deliquency - I did not receive a sufficient response or an admission of guilt, only a repeating of the facts. 

Discover is at fault in this situation because one of their representatives explicitly told me that my account would not charge off if a payment was processed on XXXX, and yet still charged off the account. 

Further, I was unaware that the account was charged off and applied for an auto loan in XXXX. The adverse charge off mark on my report lead to a loan offer that was less than would it would have been if the account was not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed A report with Experian with XXXX XXXX on my report. They are reporting a charged off balance of XXXX and constantly reporting every month as late payments. This account was not mine and was A account for XXXX XXXX. I did co sign for the vehicle and was informed they sold the vehicle after he had it repoed and the vehicle was sold to an auction. However they are reporting on my report the full balance owed on the vehicle prior to it being sold to an auction. I hve requested a investigation into this and Experian informed me the account came back verified. But will not provide me with the verified proof that the information provided and being reported is correct.

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 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH 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 non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2018 my checking account at Chase Bank was affected by fraudulent activity. I had filed a claim with the bank and received a temporary credit of {$3500.00}. I was told that the claim was denied, however the investigation was reopened and the claim was approved and the transactions were fraudulent. Chase then mistakenly issued me a second check for {$3500.00} for the fraudulent activity. I effortlessly tried to get the second check back to them with no success and ultimately told them to cancel the check to avoid any accounts going into colllections. I received a call today stating that my account was in collections for {$3500.00}. Spent hours on the phone and in the bank trying to resolve the issue. Each person has something different to say. When I spoke to claims she agreed with my situation, collections then told me their claims department was wrong. I attempted to cash the check to pay of the balance of {$3500.00} to rid myself of the problems and the check is cancelled so I cant settle the debt. This debt is a mistake from chase for paying me out twice and the cancelled check should have ensured that the account should not have gone negative, having chase only paid me once. Now chase is seeking {$3500.00} and cancelled the check for {$3500.00}. They made the mistake of paying me twice, I tried to resolve and now Im in collections. Theres a previous cfpb complaint proving the above statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am disputing the Foreclosure on my property at XXXX XXXX XXXX XXXX XXXX ga. XXXX by Select Portfolio Servicing. 
I'm told my loan is part of the XXXX XXXX  XXXX XXXX XXXX Mortgage Backed Notes XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX. 
I have asked Select Portfolio multiple times for information on the trust, so I know it actually exists, and all I from the in a statement that it is owne by XXXX XXXX XXXX XXXX XXXX ... no other information other than that. 
I have tried to research my self and find no current record of it, I have called XXXX XXXX XXXX XXXX XXXX myself and they refer me to XXXX XXXX, when I call XXXX XXXX I run into a dead end as well. 
Since Select Portfolio is collecting on this trust I would imagine they would have all the info I need to make a move on recovering this property, yet they seem more interested on foreclosing. 
I have submitted to dispute letter both to CFPB as well as Select Portfolio for information on this trust and am currently waiting on an answer. 
My foreclosure date is less than two weeks away and I request it be postponed due to the fact that I am lacking information to get this loan back on track. 
I have interested parties to purchase the property based on the information I get back from the dispute and I need time to act on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: VA

Complaint narrative:
Today is XX/XX/2019 ..I been fight with this company call XXXX XXXX about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them Equifax it's says charge off XXXX it says repo XXXX it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH 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