vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 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:
My account was not available to be addressed until  Navient  transferred my account to  XXXX   XXXX   XXXX  a month after the original default date. I was not able to have any questions answered by either  Navient  or  XXXX  during this time. The customer service agent I have been assigned to  ( and there is no other agent available ) is extremely rude and disrespectful and said that he would hang  up on me. On the day that I was able to fax my information in to create a repayment plan, the obstacles that  XXXX  representatives posed were completely unreasonable. They did not give all the information that I needed and told me that there was no way that my account could be serviced fully on that day as " everyone had already gone home ''. This was a lie. After faxing my information TWICE ( once in the morning and once in the afternoon ) and having calle  XXXX  over  ten  times that day to speak to the supervisor  XXXX   XXXX   XXXX , we finally got our agreement made with a different supervisor (  XXXX   XXXX  who had told us that our cause was essentially hopeless. It seems as though we have to ask the right questions to get the answers that we needed and they were completely unhelpful. We believe it was their goal to have us become disheartened after how difficult they made the process so that we would give up and then have to be responsible for more fees and a 24.34 % interest rate hike on my account. They sent me the paperwork for the account in an undated envelope that was past the five day window required by law, and when I called them to discuss it on the  XXXX  of  XXXX , I could not reach anyone during their business hours. I called  16  times. I called today  XXXX   XXXX   XXXX ,   XXXX   ) to confirm that  XXXX  had recieved my borrower repayment agreement, and twice I could not reach anyone. Only when I called from my husband 's phone  XXXX  the supervisor told me previously that they know immediately who is calling as a screen pops up and gives them all the information of the " client '' whenever I call  )  did they answer me. They behave in a ridiculously unethical manner and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
I was awarded $ XXXX  in prepaid reward   XXXX    cards from my past employer. The cards are thru  XXXX  These cards had a quick expiration date  XX/XX/XXXX  and when I tried to use them, they kept being declined. I conatcted the company over 5 times during   XXXX   and   XXXX   XXXX    I was told to keep trying at other stores and some of the stores on thier website had stopped accepting these prepaid cards. I was  XXXX  as a   XXXX   employee in   XXXX   XXXX   to   XXXX   XXXX   back to  XXXX . I am now back into the states and these cards were expired. I tried getting this company to replace my   XXXX   cards valued at $  XXXX    each. I was told several time they will call or email me back. As of today I still have these worthless cards. If these cards worked the first time, they would have never expired. I will list all the card numbers with the hope of getting these replace by a check or a usefull prepaid cards.   XXXX   XXXX   XXXX   XXXX   ($ XXXX )    XXXX   XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ( $ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX   ($   XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There is an account listed which does not belong to me and is reported on my credit which is wrong. Requesting removal of this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was overdrawn and I deposited via banking app my paycheck to cover it on  XXXX . I checked the next day  XXXX  to make sure everything was ok and my account shows s a ten da y hold on the deposit. I deposit my paycheck the same way for the same amount every week and there has never been a hold before. I contacted the bank on  XXXX  and was told that it was for my protection so it could be verified. I told them that the check is from my business and it is good it did n't need verification. I asked to speak with a supervisor and spoke to a gentlemen named  XXXX  and he checked into the situation and stated that nothing could be done and suggested that I deposit more money or I would keep being charged for the overdraft. How can this bank continue to do this to people. I have been banking with the same branch for over thirty years and have stayed th ru six different b anks being bought out but this will be the last B ank of Americas creativ e banking techniques have to be stopped. This bank will continue to take advantage of people because they are allowed to by our government 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 monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had an account with this company  XXXX  years ago but everything was returned. Now the company is reporting I owe them to Experian. It 's under an incorrect address, the account is listed as closed and charged off but they keep changing the balance. I 've contacted them via certified mail in  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX . They failed to mark the account disputed which is a violation of law they also keep dtatint account verified however when asled to produce the validation information or signature binding me to the contract they do not or they do n't respond. I 've been keeping careful documentation of my communication with them. The account started off at {$2400.00} now it 's {$3000.00} and stated the account has a credit limit and it 's closed and charged off. I 've now sent certified letters to Experian as well and they are saying it 's validated but are refusing to send me proof or contact information for the creditor and has not removed it or marked it disputed. This account is incorrect, not following metro  XXXX  compliance, unverifiable and unfair reporting.

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 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I recently appplied for a loan  with Credit Acceptance i n  XXXX . In  XXXX  I was admitted into he hospital for 2 months and fell behind on my payments. Consequently, I the collection calls started coming in.     I recieved a call fr om Credit Acceptance in  the month of  XXXX  and was told that a full payment of {$280.00} was due today to avoid repossession. Once payment was made over the phone, the associate would then contact the towing company and tell them to cancel the repossession process. The payment was made and the account was settled I called again in  XXXX  to make arrangements w ith Credit Acceptance so that I could build a rapport with them. I al so inquired with the associate what their policy and time frames were on repossessing vehicles and told about the situation that happened in  XXXX . She informed that the associate had no right telling me that my car is was about to get repossed without an immediate payment and she then apologized on behalf of the company. Naturally I felt confused and lost peace of mind with  Credit Acceptance.      It is now  XXXX  and I fulfilled my arrangement of {$100.00} to keep the account satisfied. They called again today  XXXX / XXXX /   2017 a nd I spoke with an associate to make further arrangements. I told what I could afford and when the payment would be made. She did n't accept my offer and when I tried to explain to her my hardship situation she not only interrupted me several times but was condescending and threatening. She then further threatened to notate my account and said I was being " uncooperative ''.     I understand th at Credit Acceptance h as a job to do it collecting payments. But I do not have any peace of mind with this company. They are very aggressive with their collection calls and ask me inappropriates questions like " in order to make payments can you ask your parents for help? Or can you ask your relatives for help? '' These questions make me feel uncomfortable.     I also need them to give me a clear understanding of what their policy is on repossessing vehicles. I was told that as long as I make arrangements with them I can avoid that consequence but each time I speak with this bank I get different answers. As a result I wake up every day  XXXX  wondering if my car will be gone or not.

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 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America promised to re-open my closed account if I provide evidence from XXXX XXXX that they did not honor my check because of signature issues and not because the funds were unavailable. The evidence from XXXX is attached and it was given to Bank of America management as an email attachment since XXXX 2016. <P/>The issue I am now having is why I keep getting a bank statement for my checking account ( account # : XXXX ), but in my online account it shows that I only have a mortgage account. My checking account was supposed to be open so that I can deposit money and pay my mortgage online without coming to the bank. Can someone please reopen my account as promised? <P/>Thanks.

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 2017-05-03 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: Nelnet, Inc.
State: NY

Complaint narrative:
Forced to go into forbearance due to not being able to pay monthly on loan, subsequently the interest on these loans go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX   account is showing  XXXX  days past due as of   XXXX   XXXX   and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.

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 2017-05-03 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: Nelnet, Inc.
State: AZ

Complaint narrative:
Hello, My name is  XXXX   XXXX . I have a Nelnet account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due  Date XX/XX/XXXX   I re-consolidated my loans after they were damaging my credit back in   XXXX   XXXX   XXXX    . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to Nelnet was at  XXXX . The  Nelnet  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In    XXXX   XXXX     , my home experienced a   XXXX    due to a   XXXX   XXXX   XXXX   in the second story which destroyed my home. After much heartbreak and emotional distraught, we dealt with the  XXXX   XXXX  trying to underpay the minimum replaceable cost to restore the house. Finally, we settled on an amount and a check was paid out on   XXXX   XXXX   XXXX     for the approximate amount of {$78000.00} to me and my loan servicer,  Ocwen Financial Corp. I sent the check to Ocwen immediately to sign over the funds to me.      Ocwen has held my  XXXX  payout to restore my home since that date. We have an agreement that I will act as the  XXXX  to restore my house, so  Ocwen  is not needed as an intermediary point of contact.      Ocwen has released partial funding but is withholding the remainder of my funds of {$40000.00 } and another check for {$15000.00}. Because of this, I was forced to tap into my Home Equity Line of Credit to restore my home. I 'm now incurring interest fees and it 's extremely stressful and daunting.

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 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I notified my  XXXX   XXXX   XXXX  that I had both moved and purchased a new vehicle and was moving my insurance to another company. I provided the proof from the vehicle purchase, proof of coverage from the new insurance company, and a written ( emailed ) statement of the cancellation. I had paid a full month 's premium on  XXXX   XXXX  and was not provided a refund for the pro-rated portion.     In  XXXX ,   XXXX   I began to receive outside collection notices claiming I owed a month 's premium and my account had been " cancelled for non-payment of premium. '' I contacted my agent,  XXXX   XXXX . At that point I was told by  XXXX   XXXX  that  XXXX   XXXX  was no longer the agent and that she would take care of the issue. In  XXXX ,   XXXX  ,  XXXX   XXXX  assured me the situation had been rectified and no collection would continue.     I have received another collection notice as well as having been informed that it is showing up as an uncollected debt on my credit report. I am working hard to rebuild my credit after   XXXX   XXXX   resulted in a loss of all assets and personal bankrutpcy. I have both contacted  XXXX  and sent a letter to the collection company more than once, to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the following with Equifax several times with no outcome and I do not know what else to do.       XXXX   XXXX   XXXX   #  XXXX  - Unknown and not mine, remove  XXXX   XXXX   XXXX   XXXX  - Outdated and past the statute remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a  XXXX   XXXX  percent  XXXX   XXXX  an having trouble with Equifax. I submitted the  XXXX  to them to have a collection removed. When I called they told me to fax it to them as I did and was told it would be removed in   XXXX   XXXX   hours. I wait  XXXX  days and it was still there. I called back and then they are refusing to remove it and saying they will just keep it in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took out a mortgage loan back in  XXXX  with the promises of low monthly payment and low interest rates. Since the beginning the payments and the interest rates were not as promise. In  XXXX   Wells Fargo started a foreclosure action against me. I tried to do loan   modifications with the bank but have been denied several times. I am in the middle of processing a loan modification and the bank has scheduled a sale date for  XXXX   XXXX  ; the bank should not foreclose on my home if I am in the middle of a loan modification process. I was a victim of the housing bubble crisis.

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 2017-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
XXXX   XXXX     2016  an inquiry was placed on my   XXXX    Credit report but I have not applied for any type of credit wit h Citizens. P lease remove the inquiry according to FDCP and federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX   XXXX   XXXX    , I sent all three credit reporting agencies a letter, attached here to for your convenience, along with Certified Mail confirmation. I had requested verification of each account listed on the letter. There are many. Today we will concentrate on  XXXX   XXXX   XXXX . I did contact the company. They are looking for a  XXXX   XXXX , regarding an instrument for a  XXXX . I have NEVER been a  XXXX , nor do I know a  XXXX . The person at  XXXX  asked that I send a copy of my credit report to prove that it was on my credit report and advised that upon receipt they would remove it from my credit report. When I called on  XXXX / XXXX /  XXXX  , to confirm that my fax, attached here to, had been received.  XXXX  assisted me and advised that even though I was NOT the person they were looking for and HAD sent in my credit report  XXXX  could NOT do anything about taking it off of my credit report. I advised that it was a crime to knowingly present fraudulent information to be reported, not to mention for the credit reporting agencies to have NOT proof that it was my debit and still be reporting it. Regardless he said he not  XXXX  would do anything about my credit report.     This complaint is against : Equifax,  XXXX ,  XXXX  and  XXXX   XXXX   XXXX  for KNOWINGLY / CRIMINALY to date reporting FALSE information, information that they have knowledge is INCORRECT, FALSE, UNTRUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am current on my mortgage, and I am struggling to make the payments. I applied for a modification and was denied. The reason for the denial was  XXXX  fold ; they stated I had a modification in   XXXX   and in   XXXX   XXXX  . In  XXXX , I made the  XXXX  trial payments but did not sign the final modification documents. I called Chase to discuss the modification proposal, and I was told by a representative to decline it. The representative stated that there was a balloon payment. I was confused and decided to seek the advice of a housing counselor. The counselor stated the modification was a good proposal, and suggested I accept it. When I contacted Chase, I was told it was considered declined and no longer available. I decided to dispute the decision on  XXXX / XXXX / XXXX . The housing counselor,  XXXX   XXXX , was told on  XXXX / XXXX / XXXX , I could not reapply until next year when the  XXXX  modification falls off. I did not officially have a modification in  XXXX   XXXX . I never signed the final modification documents. Ms.  XXXX  was told by  XXXX   XXXX , that Chase considers this to be a modification. This is incorrect and a false statement. Although Ms.  XXXX  was given this denial reason, I was told something different. I was told that the appraisal was higher, and that my home had too much equity to qualify. When I asked why there was an increase in the appraisal after a time period of less than  XXXX  days, I did not get a response. I have not made any additions on my home, and my property value has not increased. Chase has not and will not give a sufficient reason for the property appraisal increase. This is extremely disturbing as I was just approved, and now there is an unsubstantiated appraisal increase that Chase states disqualifies me. I am not being allowed to reapply. I am not delinquent, and I am not given any options other than a short sale or deed in lieu. My current housing ratio is 50 % and the back end ratio is over 100 %. I am in need of a program to help me save my home.

Company response to consumer: Closed with explanation