vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have filed several disputes in regards to this matter. I spoke with someone named XXXX today to have inaccurate information removed from my report such as names, addresses and debt associated with the address ... I HAVE NEVER RESIDED AT XXXX XXXX XXXX XXXX ... ... THERE IS NO SUCH NUMBER ... therefore the this address reporting as well as the debt associated with it is INCORRECT!!! I 've sent numerous letters and spoken with several people who insist they can NOT HELP ME .... I also submitted a letter stating the creditor DOES NOT HAVE VALID DOCUMENTUON yet the credit bureau keeps sending this back to me as verified ... how can this be when I have never lived at address associated with account .... I also have a credit report from XX/XX/XXXX which does not have this address but the accounts are there then the report from XX/XX/XXXX with this address and am told these accounts are associated with them HOW IS THIS POSSIBLE? Where and who is checking for accuracy? Because clearly this can NOT BE ACCURATE I HAVE NOT LIVED AT XXXX XXXX XXXX XXXX AND THERE IS NO SUCH APT number THIS IS INACCURATE AND ANY ACCT ASSOCIATED WITH IT IS AS WELL verify with post office THERE IS NO XXXX XXXX XXXX XXXX XXXX!! I have NEVER LIVED AT THIS NON EXISTANT PLACE

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 2017-04-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Non stop calling of not only me but my brother. Threatening voice mails

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 2017-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I have an account with speedy cash - It is an opened XXXX loan with daily interest. I have been paying on it the XXXX and the XXXX every month. Even while out on XXXX leave- I recently was unable to pay and was sent to collections. 
I assumed that the since I was not paying on it and it was in collections that I would no longer be charged interest. That is not the case - I contacted them today to see about a payment plan and was told that I am still being charged interest daily- I advised that this was unfair- they misunderstood me and thought I was requesting the interest to be suspended until I returned from XXXX leave. I advsied that I was requesting it to be suspended idefenltily. Why continue to charge interest if you are not receiving a payment- You are going to cause me to owe double. In fact they stated that too - trying to scare me into making a payment. 
I can understand charging interest on a good account, but when a consumer has contacted you and told you there situation they should try to work with you in some way - They are not even trying to work with me at all - Again kept saying XX/XX/XXXX - I advised that i can make a payment before then but needed to have the interest removed. The loan is past due why continue to charge interest on a loan? Why not just close the loan and get a payment plan on it that benefits you and the consumer?? They are not willing to work with me at all other than to take a payment to day and suspend the interest for 30 days - Thats not helpful- They also did not read me the rights of fair debit collection disclaimer. The seemed abusive and abrasive. No matter how I tried to work with them they were not willing to bend. 
XXXX loans are tricky and yes I understand daily interest. But I cant get a loan with them now becasue Im in collections there for the contract should be void and other rules should apply. At least try to work with your consumer. If they would work with me they would get there money back sooner and I wouldnt owe double

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
I have applied for a loan modification. I am currently paying 6.5 % on a loan. The method to apply requires that you go on line and submit various appears. When I submitted them I had apparently not provided or incorrectly submitted some forms. There is no way to know this other than to check again online.No emails or phone calls from them.I have called the person who is supposed to be my " specialist but never actually spoke to him. He is very hard to understand. I get different people who give me different reasons why this has taken more than 4 weeks despite the site saying 7 days. I am about to be late with my monthly payment. The person I spoke to today said it was given to the underwriters on XXXX XXXX th and it could take up to 30 days. The person before said that it was out of their hands since the application has to go through my home state and they are waiting for the return from New Mexico. It seems to me that the longer they put off their decision the less it costs them. If they reduced my interest rate from 6.5 % to say 3 % ; by me continuing to pay the higher rate. according to the last person I spoke to, It so happens that the date I become late with my payment is the same date that the underwriters are supposed to " decide ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have verbally disputed with Experian representatives for the past 3 years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about the appearance of a XX/XX/XXXX bankruptcy-chapter XXXX case on my credit report although the case was dismissed right away, like no case being filed. However, on XX/XX/XXXX annual credit report this case still appears with the note as the result of being disputed, and I was instructed to mail in my dispute letter with the bankruptcy court 's dismissal order in order to have it removed in 7 business days ; therefore, I mailed the attached required document to Experian and followed up this morning with XXXX XXXX and her supervisor, XXXX XXXX of Experian Disputing Department, but they told me that once I filed the bankruptcy case either it was active or dismissed, the chapter XXXX bankruptcy still is on file until XX/XX/XXXX ( 7 years ) by laws. I was upset because this was the first time I was verbally disclosed this information as opposed to other Experian agents, and the dismissal bankruptcy case hurt my Credit Score badly. Therefore, I need your help to remove it from my credit report. 
Your consideration is gratefully appreciated. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : RECEIVABLES PERFORMANCE Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I opened a GAP in-store credit card in XXXX. I made all my payments and maintained the card for many years. Then in Fall XXXX, GAP told me that I needed a replacement card. When the card arrived it was a VISA card, not an in-store card. I contacted them to explain that I never signed up for it and that I wanted my regular card back and they said that they had " upgraded '' me and that it was not possible to revert without cancelling this card. Understanding that cancelling my card would affect my credit rating I did n't do it. I know hold VISA card that I never applied to and am afraid to cancel. Please help.

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: FL

Complaint narrative:
There is a XXXX account reporting through this company called Enhanced Recovery, I have disputed with nothing being received. Unknown and to owe {$1300.00} is crazy requesting validation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been dealing with Navient trying to repay my loan for over 2 years now. They have been nothing but rude and unhelpful every single time I have to call them about my loans and I end up in tears by the end of the conversation. I am a single mother of XXXX children and am only able to work part time. I have a co-signer on XXXX of the loans but she is a small business owner, still raising children and can not help me at all with my payments, but Navient seems to think that money just grows on trees. I have to make two separate payments every month, one for {$93.00} and the other for {$160.00}, I bring home {$120.00} a week..that 's {$480.00} per month and I have to pay rent and put gas in my car to get to work. But it gets better, Navient seems to think that the money I receive from Child Support for my children should be used to pay for my student loan every month. This is what has sent me over the edge with this company. They are taking 85 % of my earned income every single month and they think the money I receive to feed and cloth my children should be used for myself instead of them? I have a few choice words for Navient because I am not one of those mothers who thinks its appropriate to use child support money for anything other than my children. I will be writing a letter to President Trump regarding the unethical use of children 's money to pay student loan debt by these rude sharks. Child Support is not my income, my part time job is my income and I am deeply offended by the fact that this company thinks they have a right to money that is for my children. We can circle back to the XXXX these rude customer service people who talk to me like a piece of dirt cause me every time I call asking for their help. I am not trying to default on my loans, I have already filed bankruptcy and my credit is nothing but I am trying, in good faith, to pay back my debt and they are literally robbing me. I just want someone to listen, someone who cares that they taking child support money away from children with separated parents. My children already have it bad enough only having one parent and Navient wants to take it a step further and rob them of money they are entitled to for their own selfish gain. I only made {$15000.00} last year and will only make {$5000.00} this year, Navient will take over {$3000.00} from me, more than half of my earned income. This is not right, this is going to negatively impact my innocent children and this is so, so wrong. Please hear my concerns..Please assure me that something is going to be done about this unethical use of child support monies by this company. I just want to be heard and I want my daughters ' child support money to be used for what is intended to be used for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Ocwen Loan Servicing is charging me an additional {$2000.00} in " fees ''. When I have asked for documentation of these fees, they sent me an email with fees dated from XX/XX/XXXX to XX/XX/XXXX. I was not with Ocwen - I was with Litton Loan Servicing at the time. Ocwen took over all the mortgage in late XX/XX/XXXX/early XX/XX/XXXX. I have NEVER been notified about these fees ever until I had another dispute that has been settled with Ocwen. Many times since I have been with Ocwen, I have had a XXXX balance and no mention of fees from the prior company. It is only NOW, SIX YEARS LATER that they start talking about fees. This is a scam!!!!! Ocwen needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I 'm currently serving on XXXX in the XXXX. I applied for the Barclays Bank Luxury Gold card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX Military for the duration of their service. This is the explicit reason I applied for this card this past XX/XX/XXXX. In XX/XX/2016 Barclays decided to change to terms and conditions they offered to new Military members. They stated they were trying to bring them selves in line with everyone else in terms of SCRA. Every card service representative I talked to stated that if you were a previous card holder this would not affect you. Only new account holders after XX/XX/2016. After 10 month of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA. However, not honoring the original terms of agreement to current card members is just bad business.

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 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Hello, I opened up a virtual wallet checking account with PNC on XX/XX/XXXX I believe. I opened it up with a promo code attached to it that was " Get {$300.00} if a {$5000.00} direct deposit was made and XXXX debit card purchases were done. '' I fulfilled those requirements. I chatted with a PNC customer service representative named " XXXX '' on XX/XX/XXXX about it. I will be attaching a screenshot of the conversation. However, he acknowledges that it is active for my account. I waited the required 60 days and my bonus never posted to my account. I chatted online on XX/XX/XXXX with a " XXXX '' ( screenshot is attached ). She says that I do not have a virtual wallet account anymore and my savings account is closed out. I was confused and never asked or was informed by PNC that my account was being changed like this. XXXX says I am not eligible for the bonus now. It seems like PNC is trying to avoid paying out the bonus. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has taken the deposit of my payroll check and withheld it from my " available funds '' for longer than their policy states. The check was deposited in the US Bank ATM in XXXX, California, at the same branch where I opened a savings and checking account on XX/XX/2017. The funds should have been cleared and unlocked today XX/XX/2017. It is now past business hours, and the funds have not been unlocked. Per a call to their customer service department this weekend, the funds were to be unlocked today by the expiration of the lock. 

The check is my payroll check from the XXXX, a local institution and the primary employer within XXXX, California, and a California State public institution ( part the XXXX Community College system ). Obviously this is a reputable institution and a well known within the local community. The check is {$2200.00}, but my total savings and checking balance is currently over {$9000.00} and includes overdraft protection. 

The letter from US Bank has this listed as their reason for withholding access to the funds : " We have information that leads us to believe that the check may not be paid '' " For your protection, we are ensuring the availability of your deposited funds. '' The most important statement, " These funds will be available no later than 7 business days after your deposit. '' Again, it is past the close of business. XX/XX/2017 to XX/XX/2017 is 7 business days. The funds are not unlocked. 

This is a new account, but this is the second abuse from US Bank where they have denied me access to my funds. They have a repeated pattern of abuse. Given the payroll check is from a reputable institution, I am certain this is being done to benifit the bank by playing with the " float '' cash balance - leverage their available funds by blocking a customer 's access to their personal funds. This is abuse. 

Worse of all, they only notify me of the funds lock by snail-mail letters. They have email options and do email me about my account. However, they refuse to use emial to keep me immediately up-to-date of locked funds on my account. Since I leave most of my monies in the savings account, which is the account used for the overdraft protection, I have three times been at risk of overdraft because of the locked funds. I 've had to needlessly transfer more funds into the checking. 

I believe the second reason for this ploy is to trigger an overdraft and, thus, an overdraft fee. 

US Bank is using a strict defense of their policies to hide games of " float '' and games to catch an customer off guard with overdraft fees. However, they are not following their own policies by locking funds past their 7-day policy. 

At the first chance, I will be closing all US Bank accounts. They are not a reputable organization. They are abusive.

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 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my Chase checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX XXXX XXXX for {$7500.00} ; and one to XXXX XXXX for {$5300.00}. I initially planned on going to my branch the next morning, but then, in the wee hours of XX/XX/2017, decided to call Chase 's XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed the bank would make good on these fraudulent payments, but the Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My Chase banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX XXXX from Chase 's Executive Office, who told me he would investigate my claim. XXXX XXXX concluded that Chase 's position of denying my claim was unchanged, BUT AS A COURTESY, they requested XXXX XXXX XXXX to reverse the online payment, which XXXX XXXX XXXX did, and I recovered that {$7500.00} payment. He said they were not given the option to reverse the payment to XXXX XXXX for {$5300.00}, and suggested I pursue that payment on my own, and he provided me with the XXXX XXXX account number for me to approach XXXX XXXX about the fraudulent payment. Since then, XXXX XXXX has not helped me, but they did say the account number I provided was a valid account. AT THIS POINT, I 'M CAUGHT BETWEEN CHASE AND XXXX XXXX, AND AFTER A 3-WAY CALL WITH BOTH BANKS ON XX/XX/XXXX, CHASE SUGGESTED I CONTACT AN ATTORNEY IF I NEEDED MORE EXPLANATION. In other words, each bank was confident they need not do further for me. The representative named " XXXX '' from XXXX XXXX Executive Services Dept. gave me an email address at XXXX XXXX for law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. that was assigned my case ) to correspond with. At any rate, I am still at a loss of {$5300.00}.

Company response to consumer: Closed with explanation