vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 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: NH

Complaint narrative:
I have been making monthly payments on my ten student loans serviced by Navient. My payment is {$370.00} a month dispersed to all ten loans. I specifically send an extra payment of {$300.00} to loan number ten which has the highest interest but lowest balance. I'm doing the " snowball '' debt pay off. 
In XX/XX/XXXX I decided to take a course toward my XXXX  's through XXXX XXXX   XXXX  University. I did not take a loan for this course or request any change in my current loan agreement with Navient. My employer offers tuition assistance. 
In XX/XX/XXXX I noticed that I did not receive a monthly statement from Navient for my monthly payment. I went online to check my account. I noticed all my loans were put into forbearance without my permission. They also put my parent 's Plus Loans into forbearance. 
I called Navient to reverse their action all while continuing to pay my monthly payment and extra payment to loan ten. 
Navient 's explanation was a bogus excuse. In my opinon, Navient should not have the ability to change the status of my loan payment without my permission or request. I never requested that my loans be put into forbearance. 
My recent statement dated for XX/XX/XXXX has me confused and angry. Not only did I never stop making payment to Navient at any time over the past three years, but they somehow charged me compounded interest for the time that they placed my loans into forbearance. I have called them to have the interest removed. I asked for an explanation. They blamed XXXX XXXX XXXX   University for placing my loans into forbearance. I was also told that the {$61.00} OF CAPITALIZED interest will not be removed. Navient is corrupt. I am also writing to the New Hampshire Attorney General. I have done my research. Navient is being sued for unlawful practice in many states. If Navient is allowed to do this type of bait and switch practice to someone like myself who has always paid my loans on time and has even paid extra every month, I can only imagine what they are doing to others. This needs to stop! Please do something about Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I deposited my initial payroll check from my current employer on Friday, XX/XX/XXXX at a Bank of America ATM. At the time, I didn't think any problem would occur with the check because the ATM was located in the lobby of the check issuer, XXXX XXXX XXXX XXXX XXXX. However, after the deposit, I noticed that a lengthy hold had been placed on the check ( eg, XX/XX/XXXX before XXXX ). That's seven business  days and two weekends, whereas my funds are not available. Once I realized that such lengthy hold had been placed on my deposit, I contacted Customer Service ( Friday, XX/XX/XXXX at approximately XXXX ). After speaking with the initial representative, and being told that there was nothing that I could do, I asked to speak with a Manager or Supervisor. The Manager/Supervisor confirmed that was nothing I could do. He stated that I couldn't get the check back, nor was there any option available to make the funds available prior to the stated hold period. As of today, Tuesday XX/XX/XXXX, the funds are not available. 


Though I understand the Bank 's concern with fraudulent checks being deposited, seven ( 7 ) business days is a long period to withhold access to deposited funds. Additionally, had the Bank provided a notice at the ATM, prior to accepting the check that such a hold period was being placed, I could have requested a return of the check at that time. There are numerous other ways that I could have gained access to the deposited funds, prior to XX/XX/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 2019-04-02 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: Aargon Agency, Inc.
State: SC

Complaint narrative:
I had my tax return from the State of South Carolina. I owed the Hospital money and my Refund was used to pay off my bills with the XXXX University Of XXXX XXXX. The total amount of {$2200.00} went to XXXX. so my accounts are paid. I tried calling AArgon Collection Agency and XXXX to try to fix this. AArgon needs to remove my debt. 


Thank You 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 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
I'm trying to deposit money into my account from an account at another bank. They took a small amount of my money and now they won't let me use their service or give me my money back. This is the response I received. 

" Sorry to hear that it didn't worked. Apologies for the troubles. I know how agitating it is for you. 
This kind of issue is because of security reason. We review every transaction to ensure the protection of our customers, and the integrity of our service. 
Occasionally, we determine that a transaction can not be completed. 
In the meantime, what I can suggest is to keep on trying those basic trouble shooting until it works. 
You are welcome to try adding cash again. If it does not work, you may need to send this payment outside Cash App if necessary. 
We hope for your understanding. No worries, our Account Services Team is constantly working on this matter and to be able to provide a good service ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: NJ

Complaint narrative:
Experian is reporting two medical accounts that were already paid before going to collections. but they still continue to report them. XXXX XXXX account numbers XXXX and XXXX should have never been reported. Experian is the only credit report showing these and it is killing my credit.

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 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX never notified me about a bill due to my ER visit on XX/XX/XXXX. The XXXX XXXX XXXX i paid my copay and have a record of my bill was paid in full. However XXXX XXXX XXXX XXXX XXXX never notified me of a bill due. XX/XX/XXXX i moved to XXXX XXXX and did not reside at my location in XXXX. 
XXXX XXXX XXXX XXXX XXXX never notified me and sent my bill to a bill collector. they never sent to my current Insurance Provider XXXX and a bill was never processed through XXXX for XXXX XXXX XXXX XXXX XXXX. The Bill from the XXXX XXXX XXXX was processed and paid for the day of service on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was victim of a scam. I received an email ( it seemed from someone I know and trust ) asking to buy gift card and send back by email. I did that since I was told was a birthday gift. However I then realized it was a scam since they kept asking me to buy more and more gift cards and when I asked more details, that failed to provide. I alerted the fraud department and all my credit cards company. However I was told by credit card company that I wont get my money back since this was a scam and not a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: DISCOVER BANK
State: CT

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/2019 and included Discover card into the debt on XX/XX/2019 discover debited {$130.00} from my account and shouldnt have because of the pending bankruptcy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX I was checking my bank account, and I noticed an extra account with my other accounts. It was a mortgage account. My husband and I do not have a mortgage or a house, we live with our inlaws, in Georgia, The owner of the house in question lives in XXXX XXXX, TX. I called XXXX XXXX, they said the would take care of it. I later called Equifax and locked my credit account. But seven months later it's still there. I talked to them on Saturday, in person, and they told me to call on Monday to the mortgage department. I called on the XX/XX/XXXX, and a male XXXX representative said he had around one hundred pieces of paper to look through to see if he can see the social of the true owner of the mortgage, and he will fix it and call me back before XXXX XXXX. He did not. 

I am tired of XXXX sending me bills month after month, asking for payment of a mortgage I don't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Good Morning, My name is XXXX XXXX, phone # XXXX, email-XXXX. 
Ocwen Mortgage Loan # -XXXX and XXXX XXXX Loan # XXXX. 

I am currently on XXXX  XXXX with a fixed income. I have completed a Loan Modification with my previous mortgage company ( Ocwen Mortgage Services ) and a decision was made which I accepted due to not wanting to lose my house and also did not completely understand their terms and conditions. However, I was concerned with the huge difference with the mortgage principal and contacted Ocwen immediately. A representative told me to provide document indicating the difference. I was not able to locate the document immediately and when I did, Ocwen eventually sold my mortgage to XXXX XXXX XXXX effective onXX/XX/XXXX. I contacted XXXX XXXXXXXX XXXX and provided them with the1098 tax form for the year XXXX that I received from Ocwen Mortgage Services. The XXXX tax form from Ocwen indicates- Principal balance {$270000.00} as of XX/XX/, while XXXX XXXXXXXX XXXX indicates- {$400000.00}. The modification agreement also indicated-balloon payment in the year XXXX of {$290000.00}. There is also an adjustable rate.I have Attached copies of the Loan Modification documents that I requested and received from XXXX, the 1098 tax form for the year XXXX, XXXX XXXXXXXX XXXX   monthly statement, and the letter I wrote to XXXX regarding the huge difference in the Principal balance. Please help with this issue, this is all I have. 

Thanking you in advance. 

Looking forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
The full amount of this collection ( {$240.00} ) will be disputed as I do not ow any money. Here are the timeline of events : 1. I paid my XXXX XXXX bill on XX/XX/XXXX in the full amount due of {$210.00}. My bank transaction number is XXXX [ XXXX : EST ] XXXX Withdrawal a. I paid on a monthly basis every month to cover for the upcoming month. So, since I paid on XX/XX/XXXX, my policy would need to be renewed on XX/XX/XXXX. 

2. The amount due was paid on time with no added fees or dues. 
3. I called XXXX XXXX on XX/XX/XXXX to cancel my automobile and home insurance policies on the date of XX/XX/XXXX. The lady I spoke with on the phone stated that no money was due because of the fact that my last payment, which was paid on XX/XX/XXXX, was paid in full up until XX/XX/XXXX. 
4. A refund check was paid to me in the amount of {$470.00} on XX/XX/XXXX to cover the escrow amount due on my home insurance policy. 
5. On XX/XX/XXXX, my automobile and home insurance policies were canceled with XXXX XXXX. 


I requested proof of legal standing, and legal chain of custody, to collect the debt from XXXX XXXX XXXX ( CCS ). CCS mailed a copy of the same bill from XXXX XXXX that I sent to them and failed to send my requested documents. They did not send my requested documentation so I have no idea who they represent or if I should send them money. Since I have paid off my debt with XXXX XXXX, CCS is not legally allowed to request money from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
placed freeze on my credit report some time ago. for the last couple of months, i have been trying to release the freeze. i have went online to experian website and i have called them. There automated system does not give you the option to release a freeze even though the website indicates that you can release a freeze by calling. it only gives you the option to place a freeze. the website does not allow me to release the freeze because they have incorrectly input my address information. I have reported this issue before and right after cfpb addresses it with experian, they put my address back to my old address. Nothing but liars and crooks in Texas. I want them to release the freeze on my experian credit and to put my personal information as it should be. i should not have to further compromise myself by sending the copies of social security cards and id in the mail. I have police reports of mail being stolen. why would i send them sensitive information like that and they don't send it back. 
Who know what they do with the information. If they would put my information back to what it should be, this would probably not be an issue. They have even previously sent me credit reports showing that they put it back and them they turn around and put my old address as my current address. I live in XXXX. Not XXXX XXXX. If they have falsified my information, i would like it corrected and them to stop changing it so that i can't access my own account.

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 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
The debt was remove now back on report for what reason I dont m ow it not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: MA

Complaint narrative:
XX/XX/XXXX and XXXX a hard inquiry was pulled from my credit report without my knowledge affecting my credit score. I would like to have this removed or resolved if possible. This was possibly done from an online credit company doing a pull of my score without my permission.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit score dropped over 100 points for no reason. I called transunion and they even said there were no negative factors in my account that could effect my score so drastically. They could offer no explanation and kept asking me for information on the transunion credit score website that didnt exist. When I told them the info they were asking for wasnt on the webpage, they just said they couldnt assist me unless I gave them that info. But it didnt exist. I looked while I was on the phone with transunion, then looked again and called back to be told the same thing. I believe they have inaccurately lowered my score, and nobody will help me when I call, they just want to know what negative factors were posted for the reason my score dropped. But there was no reasons given. There have been no changes on my credit score except one recent inquiry. When I look at my transunion report it shows my score changed, but on the graph it doesnt show a change. Please help, transunion has just ruined my credit while I was trying to buy a house and since it dropped so drastically it could take years to get it back up. Please please please help me.

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 2019-04-02 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX credit card- administered by Synchrony bank ; Per this card 's cash back rules 3 % cash back should be given for Travel expenses. However, only 1 % cash back ( which is meant for all purchases ) has been credited for my XXXX fare ; Here is the relevant conditions per Bank 's online info : " 3 % CASH BACK AT RESTAURANTS AND TRAVEL PURCHASES : You will earn 3 % Cash Back on Eligible Purchases made at Travel merchants located worldwide ( excluding warehouse clubs other than XXXXXXXX XXXX XXXX ). 

Travel merchants are generally merchants identified by their MCC in categories such as airlines, rental cars, hotels, passenger rail travel, bus lines, cruise lines, timeshares, travel agencies, travel sites and tour operators. '' Please take this issue up with Synchrony bank and rectify their mistake so that I can earn 3 % cash back on XXXX fare purchases Not the 1 % they have credited this month. As I would be incurring at least {$1500.00} annually in my commute to work, this is very critical for me. 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 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am having a legal dispute with my title company. The title company made a payment directly to the mortgage holder. The dispute is not resolved and I asked Wells Fargo to hold the money in a suspense account until the matter is resolved. Wells Fargo applied the money and will not reverse the funds. I have had another mortgage holder that had no problem doing this. According to Wells Fargo if the money was applied and I didn't call within 90 days to have it reverse then they will not do anything. I had many medical issues, a XXXX and XXXX XXXX, and was unable to make the call within the 90 days. Although according XXXX it was only 74 working days. 

Time period between XX/XX/XXXX and XX/XX/XXXX ( exclusive ) equals to : 111 days ... or 15 weeks & 6 days ... or 3 months & 20 days Between XX/XX/XXXX and XX/XX/XXXX ( exclusive ) there are : 74 working days ( 592 hours, assuming 8-hour workday ), 37 non-working days including : 16 Saturdays, 16 Sundays, 5 federal holidays ( US ) falling on weekdays Since they won't back out the money, I asked that all of the money be applied to the principle of the loan. Wells Fargo told me that most of it was applied to the principle but some went to interest and payments. They refused to change this against my wishes. I was also told that I could send in a Power of Attorney since my health issues prevented me from calling to reverse the money within their time frame.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is not letting lenders pull my report and when I call the say everything is fine on their end. I am trying to buy a house and they need this score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am trying to get the correct information on my credit report and can not seem to get the credit agency to comply.

Company response to consumer: Closed with explanation